Software Engineer, Risk

Job not on LinkedIn

🕒 March 27

🇺🇸 United States – Remote

💵 $130k - $160k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧑‍💻 Full-stack Engineer

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ONE

WebsiteLinkedInAll Job Openings

201 - 500 employees

💳 Fintech

Fintech

ONE is a financial technology company that focuses on providing innovative banking services through a mobile application. Although not a traditional bank, ONE offers various banking services in partnership with Coastal Community Bank. The company's offerings include cash back rewards, credit building tools, early direct deposit options, and high-yield savings accounts. ONE also features a digital wallet for shopping benefits, especially at Walmart. With an emphasis on user-friendly online banking, ONE aims to help customers take control of their credit, manage their finances, and earn rewards without the typical fees associated with traditional banks.

📋 Description

• 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.

🎯 Requirements

• 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.

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