Risk Implementation Engineer

About ONE

ONE is on a mission to help people live healthier financial lives. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money – all in one place. 

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. 

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. 

There’s never been a better moment to build a business that helps people live healthier financial lives. Come build with us!

The role

As a Strategic Risk Implementation Process Engineer your mandate is to architect and implement the credit, fraud and compliance (risk) strategies into a low-code/no-code platform which will power the onboarding and account management experience for all ONE users. In this role, you will collaborate with business, operations, product and engineering teams to understand the intent and design solutions that are resilient, scalable, and forward looking. Finally, you will assist in BAU and performance testing, as well as platform performance optimization to ensure we are meeting the business SLAs and SLOs. This role reports to Manager, Risk Platform.

This role is responsible for:

• Architecting strategies for implementation of complex end-to-end business processes in a low-code environment

• Designing custom technology solutions for specific business outcomes

• Implementing business logic such as rules, models, features and scorecards

• Integrating with 3rd party data vendor APIs and map data to business processes

• Assisting with design of product interface and associated APIs schemas

• Designing and executing unit and integration tests

You bring

• Minimum 2 yrs of relevant experience 

• An act-like-an-owner mentality. We have a bias toward taking action.

• Understanding of software development best practices

• Experience with programming languages such as SQL, Python, Javascript

• Ability or prior experience with workflow design, business process modeling 

• Familiarity with RESTful APIs and tools like Postman

• Experience using JIRA or similar project tracking software

• Self-starter with a can-do attitude who is interested in making 1+1=3 (adding value above and beyond the requirements on paper)

• Someone who is interested in understanding the WHY behind their work

• Familiarity with credit, fraud, risk, or compliance systems and/or strategies a plus

• Experience working with low-code platforms is a plus

• Experience working with onboarding or transaction decision engines in financial services, insurtech, or ecommerce company is a plus

Pay Transparency

The estimated annual base salary for this position ranges from $135,000 to $150,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience.  If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

What it’s like working @ ONE

Our teams collaborate remotely and in our work spaces in New York and Sacramento. 

• Competitive cash - we don’t discount based on location

• Benefits effective on day one 

• Early access to a high potential, high growth fintech

• Generous stock option packages in an early-stage startup

• Remote friendly (anywhere in the US) and office friendly - you pick the schedule

• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave

• 401(k) plan with match

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.

Inclusion & Belonging

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 and value diversity at our company. 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. Email talent@one.app with any questions.

For additional questions around our interview process, please check out our Candidate FAQs.