Senior Risk Engineer — Fraud & Trust Platform

cardless; San Francisco (CA); On-site; USD 190,000 - 295,000; Full time

Benefits offered by this job

Startup equity

Health insurance

Dental coverage

Vision coverage

Commuter benefit

Parental leave

Team events

Flexible PTO

Apple equipment

401k plan

Job summary

Cardless in San Francisco is seeking a senior to staff Risk Engineer to own the risk decisioning layer for payments, device trust, and transactions. You’ll build an in-house risk platform with versioned rules, kill switches, and real-time visibility alongside Risk and Fraud Operations.

You’ll champion end-to-end security, incident readiness, and rapid turn-off of faulty rules, while shaping the platform architecture for future teams.

Qualifications

• 6+ years building production backend systems in fraud, payments risk, or trust domains.
• Built risk systems as an engineer: decisioning services, rules engines, real-time scoring.

Responsibilities

• Build the risk decisioning layer for card authorization and mobile wallet provisioning.
• Move fraud logic from vendor dashboards into a testable control plane with shadow mode and kill switches.
• Build real-time detection and alerting across velocity, cross-provisioning, and device signals.
• Gate servicing changes on risk evaluation and ship the fraud-analyst tools.

Skills

Backend systems

Fraud risk

Distributed systems

API design

Java

Python

Tools

Java

Python

APIs

Job description

Cardless in San Francisco is seeking a senior to staff Risk Engineer to own the risk decisioning layer for payments, device trust, and transactions. You’ll build an in-house risk platform with versioned rules, kill switches, and real-time visibility alongside Risk and Fraud Operations.

You’ll champion end-to-end security, incident readiness, and rapid turn-off of faulty rules, while shaping the platform architecture for future teams.