Senior Backend Engineer - AI-Driven Fraud & Risk

Alloy; New York (NY); Hybrid; USD 166,000 - 209,000; Full time

Benefits offered by this job

Unlimited PTO

Employee stock options

401k with match

Home office stipend

Learning & Development stipend

Well-being benefits

Hybrid work environment

Job summary

Alloy is seeking a backend-focused engineer to strengthen the Decisioning stack in New York. You will own core backend services that power real-time risk decisions at onboarding and through the customer lifecycle, shaping features and AI-driven explanations for why cases are flagged.

This role emphasizes production-grade Node.js/TypeScript, advanced SQL performance tuning, and close collaboration with stakeholders to define scope and deliver scalable, reliable systems at scale.

Qualifications

• 5+ years of professional software engineering experience with real ownership of backend services in production.
• Hands-on experience writing and optimizing SQL. Comfortable with query plans, indexing, and performance under load.
• Production experience with Node.js and TypeScript.
• Ability to gather requirements from an ambiguous ask, decide what to build, and iterate.
• A track record of talking directly with internal stakeholders or customers to clarify scope.

Responsibilities

• Design and ship performant Postgres queries and Node.js APIs for the decision engine.
• Own end-to-end systems that manage client lists used to flag, block, or approve at scale.
• Build and extend the AI feature that explains why a case was flagged and what to do next, using Bedrock or similar tools.
• Talk directly with internal stakeholders or customers to turn ambiguous requests into scoped features.
• Partner with the team on system design decisions as Decisioning's services expand to support enterprise-scale rollouts.

Skills

Node.js

TypeScript

SQL

Stakeholder communication

Backend ownership

Tools

OpenSearch

Elasticsearch

Bedrock

SQS

Job description

Alloy is seeking a backend-focused engineer to strengthen the Decisioning stack in New York. You will own core backend services that power real-time risk decisions at onboarding and through the customer lifecycle, shaping features and AI-driven explanations for why cases are flagged.

This role emphasizes production-grade Node.js/TypeScript, advanced SQL performance tuning, and close collaboration with stakeholders to define scope and deliver scalable, reliable systems at scale.