Oneapp

Software Engineer, Risk

United States · Remote (country restricted) · FullTime

USD 130,000–160,000/year

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About the role

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EmployerOneapp
LocationUnited States
Work styleRemote (country restricted)
Employment typeFullTime
Employer posted1 month ago
Salary (as stated by the employer)USD 130,000 – 160,000 per year

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

Show full description

Ready to run

Hungry and driven by urgency

Exceptional at what they do, with low ego

Comfortable operating in motion

The Role

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.

You Bring

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.

Tools We Use

We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.

What We Offer

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

Standard Interview Process

Our process varies by role. Most candidates go through:

AI-assisted initial screen

Interview with Talent Partner

Technical or Hiring Manager Interview

Team Interview

Executive Interview

Offer!

Equal Employment Opportunity

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 talent@onepay.com.

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