Software Engineer, Risk

OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.

Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:

• Checking and high-yield savings accounts

• Domestic and international peer-to-peer payments

• Credit Builder and credit score monitoring

• Digital wallet / contactless payment solutions

• Credit card program

• Buy-now-pay-later installment loans at Walmart

• Prepaid mobile service

Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.

There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!

As a Software Engineer on the Risk team, your work will directly impact the systems that protect our customers and company. You will:

• 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.

• 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.

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

• Drive and proactivity – everyone here is a builder and executor.

We use the fp-ts library for functional programming with Node/TypeScript running on top of Kubernetes and AWS. We believe great engineers can learn any stack, so you do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts.

• 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

• A high-growth, mission-driven, inclusive culture where your work has real impact

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at [email protected].