Senior Software Developer II - Receive Risk

Wise; Greater London; On-site; GBP 111,000 - 145,000; Full time

Benefits offered by this job

Wise Benefits

Job summary

Wise is hiring a Senior Backend Engineer to build a fraud engine for Acquiring products like QuickPay, Payment links, Invoices, and e-commerce. You will collaborates with Product, Data Science, Fraud Prevention Analysts and Fraud agents to balance speed and risk while handling large-scale traffic with low latency.

The role emphasizes end-to-end ownership, reliable systems, and a strong product mindset, with a starting salary range of £111,000 to £145,000 plus RSUs.

Qualifications

• Hands-on experience with distributed systems, including microservices architecture and backend services supporting large-scale traffic.
• Proven ability to deliver high-performance, low-latency systems with a focus on speed, scalability, and reliability.
• Strong product-oriented mindset, with end-to-end ownership of features and close collaboration across teams.
• Proficiency in Java (preferred) or solid experience with similar backend programming languages.
• Familiarity with messaging systems such as Kafka or RabbitMQ, and strong knowledge of relational databases (SQL).
• Excellent communication and collaboration skills, combined with a growth mindset and focus on delivering user and business value.
• Understanding of basic machine learning concepts and experience building data pipelines.
• Mentorship experience, helping team members grow and contributing to a culture of continuous learning.

Responsibilities

• Build a fraud engine that will help us ship new products and features quickly while keeping risk and cost low.
• Collaborate with Product, Data Science, Fraud Prevention Analysts and Fraud agents to balance speed and risk.
• Work with our Acquiring products such as QuickPay, Payment links, Invoices, and e-commerce to ensure secure experiences.

Skills

Distributed systems

Low-latency performance

Product-oriented mindset

Java (preferred)

Messaging systems (Kafka/RabbitMQ)

Relational databases (SQL)

Communication & collaboration

Mentorship

Machine learning basics

Job description

Company 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 life 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.

More about our mission.

Job Description

Team you will be working with: Receive Risk

The Receive Risk team is part of Acquiring Squad, in the Global Product tribe, dedicated to ensuring customers can receive money quickly and securely, using our full suite of Acquiring products. We build smart fraud detection and prevention systems to stop scammers and fraudsters from exploiting Wise or defrauding our customers.

Supporting our full suite of Acquiring products — QuickPay, Payment links, Invoices, e-commerce, and more — we work closely with our financial crime teams to strike the perfect balance: seamless experiences for legitimate users, strong barriers against bad actors.

What will you be working on?

We're looking for a Senior Backend Engineer to build a fraud engine that will help us ship new products and features quickly while keeping risk and cost low. This will involve working closely with Product, Data Science, Fraud Prevention Analysts and our Fraud agents to strike the right balance between scaling quickly and mitigating risk efficiently.

Qualifications

What do you need?

• Hands-on experience with distributed systems, including microservices architecture and backend services supporting large-scale traffic.

• Proven ability to deliver high-performance, low-latency systems with a focus on speed, scalability, and reliability.

• Strong product-oriented mindset, with end-to-endownership of features and close collaboration across teams.

• Proficiency in Java (preferred) or solid experience with similar backend programming languages.

• Familiarity with messaging systems such as Kafka or RabbitMQ, and strong knowledge of relational databases (SQL).

• Excellent communication and collaboration skills, combined with a growth mindset and focus on delivering user and business value.

Nice to Have:

• Understanding of basic machine learning concepts and experience building data pipelines.

• Mentorship experience, helping team members grow and contributing to a culture of continuous learning.

Additional Information

Interested? Find out more:

• How we work – a practical guide

• DEI @ Wise

• Wise Tech Stack (2025 update)

• Our Engineering career map

• Scaling our Infrastructure; how we make it work

• Wise Engineering – https://medium.com/wise-engineering

What do we offer:

• Starting salary: £111,000 - £145,000 + RSUs

• Wise Benefits

For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visitWise.Jobs.

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