Description
Wise is a global technology company, building the best way to move and manage the world's money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.
As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere.
The team you will be working with: North America Risk Prevention The North America Risk team is a critical engine within Wise, focusing on our largest and most dynamic market: North America.
Our mission is to protect our customers and the business by staying ahead of financial crime. We handle billions of volume through robust risk and fraud prevention systems that operate at the speed of our customers.
Responsibilities:
- Real-Time Decision Making: You will leverage cutting-edge machine learning to run risk assessments instantly, every time a customer uses the calculator, ensuring a seamless yet secure experience.
- Enabling Unique Features: You will own the risk infrastructure for Instant ACH, one of our most unique and high-value features in the US market.
- Cross-Functional Collaboration: Software Engineers, Data Analysts, and Data Scientists collaborate on a daily basis to design new rules, refine ML models, and provide critical support to our chargeback and fraud investigation teams.
- Future-Proofing: While focused on fraud today, we are expanding our scope to handle comprehensive risk types in the US and Canada, including Sanctions and AML (Anti-Money Laundering).
Requirements:
- 4+ years of experience with Java, Kotlin, or other JVM-based languages, with deep knowledge of the Spring framework.
- Obsession with Latency: You can design technical solutions that optimize for both throughput and speed.
- Data & Distributed Systems: Deep understanding of JDBC, database internals, and query optimization.
- Infrastructure: Experience with CI/CD pipelines and designing scalable, resilient distributed systems.
- Product & User Focus: You prioritize work with the customer in mind, using data to fix pain points.
- Ownership: You take end-to-end ownership of your projects, from the initial idea to monitoring it in production.
- Communication: You can articulate complex technical concepts to non-technical audiences.
- Cross-Functional collaboration experience: You are comfortable working daily with Data Scientists to put models into production and with Data Analysts to refine rule sets.
Nice to have:
- ML Fluency: Familiarity with machine learning basics: data pipelines, feature engineering, precision/recall.
- Data Lake Experience: Experience with OLAP databases or data lakes (like Apache Iceberg) with Kafka ingestion.
What does success look like?
- Impact on Financial Crime: You will understand the specific fraud vectors and how your code directly prevents financial loss while keeping good customers happy.
- Scaling for the Future: You'll help raise the automation level of our platform, preparing our systems to handle new risk types in the US and Canada.
- Operational Excellence: You'll contribute to a culture of "you build it, you run it," ensuring our real-time monitoring systems are robust and reliable for the North American market.
- Global Collaboration: You'll find your place by building strong relationships with the wider engineering tribe and our US stakeholders.