---
title: 'Software Engineer, Risk at OnePay'
canonical: 'https://feeny.ai/job/software-engineer-risk-onepay-united-states-0vkbw1q7va5t'
type: 'job'
last_seen: '2026-09-05'
---

# Software Engineer, Risk at OnePay

- **Company:** OnePay
- **Location:** United States
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-09-02
- **Last confirmed live:** 2026-09-05
- **Apply:** https://jobs.ashbyhq.com/oneapp/44f5758e-8964-42af-9481-572b6f8dad2b/application

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

## Job description

## 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:

- 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 Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor 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

- Initial 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.

## About OnePay

## Company Overview
- **One-liner**: OnePay is a financial technology company that provides a mobile banking platform for consumers and embedded financial services for employers, enabling users to send, spend, borrow, build credit, and earn rewards.
- **Entity Type**: Private (Series B; $66M total funding)
- **Headquarters**: New York, New York, United States
- **Founded**: 2019
- **Founders**: Not publicly available (CEO is Omer Ismail)

## Core Business
- **Primary industry**: Financial Technology (Fintech) / Consumer Banking
- **Target customers**: B2C (individual consumers) and B2B (employers, HCM providers, gig platforms) – serves millions of consumers and frontline workers
- **Mission/purpose**: “Making money better in America” – helping people achieve financial progress by consolidating savings, spending, and credit tools into one place.

## Products & Services
- **Banking through OnePay**: High‑yield savings, debit card, and deposit account (partner banks: Coastal Community Bank, Lead Bank, Members FDIC)
- **OnePay Credit Card**: Credit building and rewards card
- **OnePay Wallet**: Digital wallet for payments
- **OnePay Loans (incl. OnePay Later)**: Point‑of‑sale lending and personal instalment loans
- **OnePay Invest / Crypto**: Investment and cryptocurrency offerings
- **OnePay @Work (B2B suite)**: Embedded financial wellness platform for employers – consolidates savings, spending, and credit tools to improve employee stability
- **OnePay Rewards**: Points‑based loyalty program redeemable for cash back

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metric**: Total Funding – $66M (Seed $9M in 2019, Series A $17M in 2020, Series B $40M in 2021); ~566 employees (+10% YoY); 4.9★ app rating
- **Notable Investors/Partners**: Ribbit Capital, Walmart (both lead investors). Also acquired Even.com.
- **Growth Signals**: 30.1% LinkedIn follower growth YoY; active in 18 countries; 36 open job postings (up 80% YoY); rebranded from “One” to “OnePay” in March 2025.

## Competitive Advantages
- **Walmart partnership**: Embedded distribution and co‑branded products offer massive consumer reach.
- **All‑in‑one platform**: Combines banking, credit, lending, investing, and crypto – a “financial super app.”
- **B2B embedment**: Direct integration with employers and HCM platforms creates sticky, recurring revenue.
- **Scrappy, execution‑focused culture** that prioritises speed and shipping over bureaucracy.

## Strategic Focus
- **Consumer growth**: Expanding the OnePay Rewards program and deepening Walmart integration.
- **B2B embedded finance**: Scaling the @Work platform to more employers and gig economy partners.
- **Product expansion**: Continually adding lending, credit, and crypto features to increase wallet share.
- **Geographic reach**: Operating across 18 countries, with major hubs in the US, India, Pakistan, and Argentina.

## Why Work Here
- **Culture**: “Humble, Hungry, Honest” – values include being execution‑obsessed, scrappy, and customer‑led. The company describes itself as fast‑paced and compared to “rabbits” who move with urgency.
- **Remote / Hybrid**: Remote‑first for US employees; hybrid flexibility in India (balance of in‑office collaboration and WFH). Offices in New York and Bangalore.
- **Benefits (US)**:
  - Flexible time off, paid holidays, sick/personal/caregiver leave, parental leave
  - Medical, dental, vision, wellness perks, life insurance
  - 401k with employer match
  - Monthly transport allowance and work‑from‑home stipend
  - Company equity
- **Benefits (India)**:
  - Annual check‑ups, telehealth, mental health support, nutrition counseling, pet care
  - Health, accident, disability, term life insurance
  - Paid vacation and regional holidays, parent leave
  - Hybrid flexibility
- **Engineering culture**: 187 technical employees (14% of workforce); strong talent pipeline from Goldman Sachs, Stripe, Apple, Amazon. Focus on ownership and high‑velocity delivery.

## Sources
1. [onepay.com](https://www.onepay.com/) – Company website
2. [onepay.com/careers](https://www.onepay.com/careers) – Careers page (US and India benefits, culture)
3. [linkedin.com/company/joinonepay](https://www.linkedin.com/company/joinonepay) – LinkedIn profile (funding, headcount, history)
4. [builtin.com/company/one-0](https://builtin.com/company/one-0) – Built In company page (perks, offices, open roles)
5. [onepay.com/help-center/articles/what-is-onepay](https://www.onepay.com/help-center/articles/what-is-onepay) – Product overview and rebranding details

## Other roles at OnePay

- [Staff Applied Scientist, Personalization](https://feeny.ai/job/staff-applied-scientist-personalization-onepay-united-states-j0p6dr7th0jg) — United States
- [Product Manager, Banking/Cash Advance](https://feeny.ai/job/product-manager-banking-cash-advance-onepay-united-states-9qb6t677xm21) — United States
- [Analytics Engineer](https://feeny.ai/job/analytics-engineer-onepay-bengaluru-wargxymm7ftt) — Bengaluru, India
- [Product Partnerships Manager](https://feeny.ai/job/product-partnerships-manager-onepay-united-states-k2q8efbj1pde) — United States
- [Corporate Finance](https://feeny.ai/job/corporate-finance-onepay-united-states-daera1076ywd) — United States
- [Product Manager, Agentic Finance](https://feeny.ai/job/product-manager-agentic-finance-onepay-united-states-zr6hpbs03atp) — United States
- [Product Manager, Subscriptions](https://feeny.ai/job/product-manager-subscriptions-onepay-united-states-a0gb10f745vb) — United States
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