Base Salary
$130k - $160k/yr
Responsibilities
- Build resilient backend services for fraud detection, identity verification, and transaction monitoring at scale.
- Develop, test, and maintain backend services and APIs for real-time risk and fraud prevention.
- Partner with product managers and engineers to design and deploy systems protecting customer accounts and transactions.
- Integrate third-party risk and compliance platforms to enable secure data flows.
- Contribute to architectural decisions balancing scale, security, and reliability across sensitive financial systems.
- Create clear documentation supporting collaboration, transparency, and operational excellence.
Requirements
- At least 3 years of professional backend engineering experience, ideally in fintech, payments, or external customer-facing systems.
- Proficiency building and maintaining APIs, microservices, and distributed systems.
- Familiarity with cloud infrastructure such as AWS or Kubernetes and with database technologies.
- Experience with risk, fraud, or compliance systems is a plus.
- Drive, proactivity, and comfort working in a fast-moving builder-oriented environment.
Benefits
- Competitive base salary, stock options, and health benefits from Day 1.
- 401(k) plan with company match.
- Remote-friendly position for candidates in the US.
- Flexible time off and opportunities for growth.
- Mission-driven, inclusive culture with opportunities to make an impact.
Tech Stack
Categories
About OnePay
At OnePay, we believe that better money makes life better. We also believe the future of financial services is meeting consumers where they already are — in their daily lives, workplaces, and communities nationwide. With banking, high-yield savings, credit cards, point-of-sale lending, investment and crypto offerings, OnePay is providing millions of consumers with the tools they need to holistically manage their financial lives all in one place. Alongside its fast-growing consumer offering, OnePay also partners with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. Through its B2B financial wellness suite, OnePay consolidates savings, spending, and credit tools into one platform, complementing or unifying existing benefits to improve employee stability, engagement, and productivity. Backed by Ribbit Capital and Walmart, OnePay has a 4.9★ app rating, is growing quickly, and is always looking for talented people to join our team. Learn more at www.onepay.com. OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.