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OnePay · 18 hours ago

Software Engineer, Risk

United States

Full-time

Remote

Mid Level

3+ years exp

OnePay is an all-in-one financial platform aiming to improve financial accessibility for unbanked and underbanked Americans. As a Software Engineer on the Risk Team, you will build backend services for fraud detection and transaction monitoring, collaborating with product managers to protect customer accounts and transactions.

Financial Services

Comp. & Benefits

Responsibilities

Build resilient backend services that power fraud detection, identity verification, and transaction monitoring at scale

Develop, test, and maintain backend services and APIs that enable real-time risk and fraud prevention

Partner with product managers, and other engineers to design and deploy systems that protect customer accounts and transactions

Implement integrations with third-party risk and compliance platforms, ensuring seamless and secure data flows

Contribute to architectural decisions that balance scale, security, and reliability across sensitive financial systems

Build clear documentation to support collaboration, transparency, and operational excellence

Qualification

Backend engineeringAPI developmentMicroservicesCloud infrastructureRisk systems experienceProactivity

Required

3+ years of professional experience in backend engineering, ideally within fintech, payments, or external customer facing systems

Proficiency in building and maintaining APIs, microservices, and distributed systems

Familiarity with cloud infrastructure (AWS, Kubernetes, or similar) and database technologies

Drive and proactivity – everyone here is a builder and executor

Preferred

Experience working with risk, fraud, or compliance systems is a plus

Benefits

Competitive base salary, stock options, and health benefits from Day 1

401(k) plan with company match

Remote-friendly (US), flexible time off (FTO), and opportunities for growth

Company

OnePay

We believe the future of financial services is meeting consumers where they already are — in their daily lives, workplaces, and communities nationwide.

Founded in 2022

New York, NY, US

501-1000 employees