About OnePayOnePay 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 donât have enough money in savings to cover a minor emergency. They pay too much in fees, donât have access to credit at affordable rates, and have little ability to grow their wealth. OnePayâs 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 accountsDomestic and international peer-to-peer paymentsCredit Builder and credit score monitoringDigital wallet / contactless payment solutionsCredit card programBuy-now-pay-later installment loans at WalmartPrepaid mobile serviceWhy 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 worldâs largest omnichannel retailer, and have an industry-leading multi-product value proposition â all in addition to having some of the best people and talent in the industry.Thereâs 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!The RoleAs 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.You Bring3+ 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 â everyone here is a builder and executor.Tools We UseWe 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 youâll ramp up more quickly if you are familiar with functional programming concepts.What We OfferCompetitive base salary, stock options, and health benefits from Day 1401(k) plan with company matchRemote-friendly (US), flexible time off (FTO), and opportunities for growthA high-growth, mission-driven, inclusive culture where your work has real impactStandard Interview ProcessInitial Interview with Talent PartnerTechnical or Hiring Manager InterviewTeam InterviewExecutive InterviewOffer!Equal Employment OpportunityTo 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 talent@onepay.com.Please mention the word **UNLIMITED** and tag RMjAzLjExMC4yNDIuMzA= when applying to show you read the job post completely (#RMjAzLjExMC4yNDIuMzA=). This is a beta feature to avoid spam applicants. Companies can search these words to find applicants that read this and see they're human.