Software Engineer - Fraud, Payments jobs in United States
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xAI · 1 day ago

Software Engineer - Fraud, Payments

positionPalo Alto, CA
timeFull-time
remoteOnsite
senioritySenior Level
money$180K/yr - $440K/yr
date7+ years exp

xAI is a company focused on creating AI systems to aid humanity in understanding the universe. They are seeking a Software Engineer to design and implement fraud detection and prevention systems for a new payments platform serving over 600 million monthly users.

Artificial Intelligence (AI)Foundational AIGenerative AIInformation TechnologyMachine Learning
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Growth Opportunities
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H1B Sponsor Likelynote

Responsibilities

Design and implement fraud detection and prevention systems that operate at global scale and low latency
Develop risk scoring engines, anomaly detection pipelines, and real-time enforcement mechanisms
Collaborate with product, compliance, trust & safety, and infrastructure teams to ensure a secure and seamless user experience
Monitor and analyze fraud trends, and proactively respond to new attack vectors
Define engineering standards around observability, reliability, and rapid response in fraud-related systems

Qualification

Fraud detection systemsDistributed systemsRisk scoring enginesReal-time enforcementGolangPostgresKafkaMemcachedAnalytical skillsBuilder mentalitySecurity-consciousCommunication skills

Required

7+ years of backend or systems engineering, with exposure to fraud, risk, or abuse prevention systems preferred
Skilled in distributed systems: You've built resilient, high-throughput systems that operate under real-time constraints
Security-conscious: You understand threat models, data sensitivity, and defense-in-depth principles
Analytical and pragmatic: You value simple, high-leverage solutions and adapt quickly to evolving challenges
Builder mentality: You're excited by zero-to-one problems and proven ability to thrive in fast-paced environments. You are willing to work hard

Preferred

Experience with real-time anomaly detection, machine learning for fraud, or rule-based risk systems
Familiarity with AML/KYC regulations, chargeback flows, or identity verification systems
Experience in fintech, trust & safety, or adversarial system design
Comfortable working in a zero-to-one environment with rapid iteration
Golang
Postgres
Kafka
Memcached

Benefits

Equity
Comprehensive medical, vision, and dental coverage
Access to a 401(k) retirement plan
Short & long-term disability insurance
Life insurance
Various other discounts and perks

Company

xAI

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XAI is an artificial intelligence startup that develops AI solutions and tools to enhance reasoning and search capabilities.
dateFounded in 2023
location
Burlingame, California, USA
people-size11-50 employees
web-link
https://x.ai

H1B Sponsorship

xAI has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (1)

Funding

Current Stage
Late Stage
Total Funding
$42.73B
Key Investors
Neptune Digital AssetsSpaceXMorgan Stanley
2026-01-06Series E· $20B
2025-12-11Secondary Market· $0.3M
2025-07-13Corporate Round· $5.32B

Leadership Team

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Toby Pohlen
Founding Member
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Recent News

IndiaTimes
Elon Musk's ChatGPT rival xAI raises $20 billion in funding; investors include Nvidia which has promised up to $100 billion to Sam Altman's OpenAI
2026-01-08
The Tech Portal
xAI says it has raised a staggering $20Bn in Series E fundraise
2026-01-08
Business Insider
'This case is going to trial': Judge rejects Sam Altman's efforts to toss Elon Musk's OpenAI lawsuit
2026-01-08
Company data provided by crunchbase