Software Engineer, Backend (Consumer - Risk)

You will build and maintain backend services that power risk detection, fraud prevention, and financial risk mitigation across the platform, operating at scale and around the clock. You will own feature delivery end to end—from technical design through implementation, testing, deployment, and monitoring—for risk platform capabilities that directly protect users and the business from financial threats. You will collaborate with Data Science, ML, and risk analysts to develop proactive systems, such as models and user facing risk features, and reactive solutions, like one off risk mitigations and incident response tooling, that reduce fraud and financial loss. You will drive reliability and observability in risk platform services by implementing mechanisms to identify regressions, ensure visibility of issues, and contribute to incident response and post mortems. You will contribute to the engineering culture by leaving code cleaner than you found it, maintaining high velocity, participating in code reviews, and building reusable solutions that can be leveraged across the team.

Responsibilities

• Build and maintain backend services that power risk detection, fraud prevention, and financial risk mitigation across the platform, operating at scale and 24x7.
• Own feature delivery end to end—from technical design through implementation, testing, deployment, and monitoring—for risk platform capabilities that protect users and the business from financial threats.
• Partner with Data Science, ML, and Risk Analysts to develop proactive systems and reactive solutions that reduce fraud and financial loss.
• Drive reliability and observability in risk platform services by identifying regressions, ensuring visibility of issues, and contributing to incident response and post mortems.
• Contribute to engineering culture by writing clean code, maintaining velocity, participating in code reviews, and building reusable solutions.

Requirements

• 2+ years of backend software engineering experience shipping production services in a fast paced environment.
• Proficiency in at least one backend language (Go, Ruby, Python, Java) and experience working with relational and/or NoSQL databases (Postgres, DynamoDB, MongoDB).
• Strong understanding of software design patterns, data structures, and algorithms, with the ability to independently manage complex tasks and learn unfamiliar systems with guidance.
• Experience building or working with high throughput, low latency systems or a strong foundation in distributed systems fundamentals (APIs, event driven architectures, cloud infrastructure).
• Clear written and verbal communication skills; ability to collaborate across engineering product data science and risk operations.
• Demonstrates the ability to responsibly use generative AI tools and copilots in daily workflows and apply human in the loop practices to deliver business ready outputs and drive improvements.
• Experience with risk, fraud detection, or payment systems (ACH, cards, crypto) and associated fraud patterns.
• Familiarity with cloud platforms (AWS, GCP), containerization (Docker, Kubernetes), and event streaming architectures (Kafka, RabbitMQ).
• Experience with blockchain technology (Bitcoin, Ethereum) and the unique risk challenges of crypto transactions.