Senior Software Engineer I - Business Onboarding and Verification

Xapply; Greater London; Hybrid; GBP 88,000 - 111,000; Full time

Benefits offered by this job

RSUs

Wise Benefits

Job summary

Wise is seeking a Senior Software Engineer to build an entirely new onboarding network for businesses across Europe and the UK. You will design reliable, scalable systems for verifying businesses, owners, and directors while reducing onboarding time through automation.

You will work with Product, Compliance and other engineering teams to balance customer experience with risk management and growth, in a highly collaborative environment.

Qualifications

• Strong product mindset and passion for user experience with data-driven decisions.
• Experience with Java or other JVM languages and Spring framework.
• Experience with CI/CD pipelines and distributed systems.
• Machine learning basics and production familiarity is a plus.
• Experience with relational and non-relational databases and schema design.
• Commitment to writing testable code and Test Driven Development.

Responsibilities

• Design and build reliable, scalable systems for business onboarding across Europe and the UK.
• Automate information collection, verification and decision-making to reduce onboarding time.
• Create flexible onboarding journeys for different markets and regulatory needs.
• Develop controls to manage financial-crime and compliance risks with minimal friction.
• Own projects end to end—from discovery to delivery and impact measurement.
• Collaborate with Product, Compliance, Operations and other engineering teams.

Skills

Java/JVM

Spring framework

CI/CD pipelines

Distributed systems

Machine learning basics

Relational databases

NoSQL / non-relational databases

Test Driven Development

Education

Bachelor's degree or equivalent

Tools

Spring framework

JDBC

Job description

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.

More about our mission and what we offer.

Please note we do not offer relocation support or VISA sponsorship for this role.
The Europe and UK Business Onboarding and Verification team is looking for a Senior Software Engineer to build seamless, scalable and compliant onboarding for businesses across the region.

Our focus is business onboarding and verification: creating systems that understand and verify businesses, helping legitimate customers access Wise quickly and safely.

Requirements vary across markets, business types and ownership structures. We manage this complexity through automated verification, flexible information-collection flows and robust controls that reduce financial crime risk without adding unnecessary friction.

By increasing automation and improving the wider onboarding experience, we help Wise onboard more businesses, enter new markets and scale efficiently.

Join us to shape how businesses across Europe and the UK access Wise.

How we work

We keep our customers’ needs at the centre of every decision while building effective controls that help Wise onboard businesses safely and compliantly. We use data, research, customer feedback and operational insights to identify the most important problems, reduce unnecessary friction and strengthen our verification processes.

At Wise, teams have the autonomy to define their priorities and own outcomes. Everyone is encouraged to contribute ideas, challenge assumptions and help shape solutions that balance customer experience, risk management and scalable growth.

What will you be doing

You will design and build reliable, scalable systems supporting business onboarding and verification across Europe and the UK.

• Build and improve systems for verifying businesses, owners, directors and other associated parties.

• Automate information collection, verification and decision-making to reduce onboarding time and manual work.

• Create flexible onboarding journeys that adapt to different markets, business types and regulatory requirements.

• Develop effective controls and monitoring to manage financial-crime and compliance risks with minimal customer friction.

• Own projects end to end, from problem discovery and technical design through to delivery and measuring impact.

• Collaborate with Product, Compliance, Operations and other engineering teams while maintaining high standards for reliability, testing and code quality.

We are fully aware that it is uncommon for a candidate to have all skills required and we fully support everyone in learning new skills with us. So if you have some of those listed below and are eager to learn more we do want to hear from you!

What do you need?

• A strong product mindset and passion for user experience, you prioritise work with the customers in mind and make data-driven decisions to fix customer pain-points

• Experience of Java or other JVM based language, experience with Spring framework and deep understanding of JDBC and database internals.

• Experience with CI/CD pipelines and Distributed and Concurrent Systems

• Experience with machine learning basics (data pipelines, feature engineering, recall/precision, familiarity with machine learning systems in production) is a huge plus

• Experience working with relational and non-relational databases, query optimisation and designing schemas

• You enjoy writing testable code and believe in Test Driven Development

Interested? Find out more:

• How we work – a practical guide
• DEI @ Wise
• Wise Tech Stack (2025 update)
• See what it’s like to work at Wise London!
• Our Engineering career map

Wise Engineering – https://medium.com/wise-engineering
What do we offer:

• Starting salary: £87,500 - £111,000 + 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 visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.