Senior Software Engineer, Product

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 where you belong! Alloy is the AI-powered identity and fraud prevention platform that accelerates onboarding, stops fraud, and scales compliance across the customer lifecycle so financial organizations can grow without limits. More than 900 of the world's leading financial institutions and fintechs trust Alloy for smarter risk management that drives growth.

Through our values: Be Bold, Go Fast, Collaborate, and Celebrate Our Differences, we are creating a workplace where you can grow, thrive, and belong. See how we’ve been continuously recognized and named one of Inc.Magazine’s Best Workplaces, Forbes America’s Best Startup Employers, Best Fintech to Work for by American Banker, year after year.

Check out our investors and read more about us here.

About The Team

The Decisioning vertical of our engineering department builds the engine that powers how financial institutions evaluate, approve, and act on risk. We own the core rules, workflows, and data pipelines that financial organizations rely on to make real-time decisions at scale.

The Build - Oak team owns a central part of Decisioning: the core services institutions use to evaluate, approve, and act on risk in real time, at scale. We build tools that power the rules, workflows, and data pipelines behind those decisions: a flexible engine that teams extend across any kind of customer data, the lists clients use to flag, block, or approve accounts at scale, and the AI that explains why a case was flagged and what to do next.

Alloy operates in a hybrid-work environment. We look to foster collaboration and community by having our local employees onsite three days a week.

What You'll Do

You’ll own core pieces of the systems Alloy uses to catch fraud and risk at onboarding and throughout a customer's lifecycle, and help shape where our newest AI feature goes next, with real room to define the work yourself.

• Design and ship performant Postgres queries and Node.js APIs for our decision engine, which lets financial institutions build custom fraud and risk checks across any type of customer data, built to hold up under real-time SLA constraints
• Own, end to end, the systems that let clients maintain their own lists of people, accounts, or countries to automatically flag, block, or approve, keeping them fast and reliable on OpenSearch as they scale to millions of records
• Build and extend the AI feature that explains why a case was flagged for manual review and recommends a decision, working with AWS Bedrock and async tools like SQS and webhooks.
• Talk directly with internal stakeholders and, at times, customers and channel partners, to turn ambiguous requests into scoped, generalizable features
• Partner with the rest of the team on system design decisions as Decisioning's services expand to support new enterprise-scale rollouts

Must-haves

• 5+ years of professional software engineering experience, with real ownership of backend services in production
• Hands-on experience writing and optimizing SQL. You're comfortable reasoning about query plans, indexing, and performance under load, not just writing queries that work
• 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, not just executing tickets handed down

Who we’re looking for

• 5+ years of professional software engineering experience, with real ownership of backend services in production
• Hands-on experience writing and optimizing SQL. You're comfortable reasoning about query plans, indexing, and performance under load, not just writing queries that work
• 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, not just executing tickets handed down

Nice-to-haves

• Experience with OpenSearch, Elasticsearch, or a similar search and indexing system at scale
• Experience integrating LLMs into a production feature, using Bedrock or a similar platform
• Fintech, banking, or other regulated industry experience
• React or similar frontend experience. This team leans backend, but we still ship full-stack when needed

We're a lean team, so your impact will be felt immediately, and opportunities will grow as the company scales up. If this all sounds like a good fit for you, why not join us?

Alloy is committed to fair and equitable compensation practices. Below is the anticipated starting base compensation range for this role; however, pay may vary depending on job‑related knowledge, in‑demand skills, relevant experience, and/or geography. In addition to a competitive base salary, this position is also eligible for equity awards in the form of stock options (ISOs) as well as a competitive total benefits package. Your recruiter will be happy to walk you through the details and what compensation could look like for you specifically!

This position has a base salary range of $166,000 - $209,000.

Benefits and Perks

• Unlimited PTO and flexible work policy
• Employee stock options
• Medical, dental, vision plans with HSA (monthly employer contribution) and FSA options
• 401k with 100% match up to 4% of annual employee compensation
• Eligible new parents receive 16 weeks of paid parental leave
• Home office stipend for new employees
• Annual Learning & Development annual stipend
• Well‑being benefits include access to ClassPass, OneMedical, UrbanSitter, and Spring Health
• Hybrid work environment: employees are expected to work Tuesdays through Thursdays from our HQ in Union Square, Manhattan. Tasty lunches catered from a variety of local restaurants and frequent employee‑organized cultural events contribute to our positive office energy. On Monday/Friday most employees Zoom into work from home while some take advantage of the quieter office.

Alloy is proud to be an equal‑opportunity workplace and employer. We’re committed to equal opportunity regardless of race, color, ancestry, religion, gender, gender identity, parental or pregnancy status, national origin, sexual orientation, age, citizenship, marital status, disability, or veteran status. We are committed to an inclusive interview experience and provide reasonable accommodations to applicants with visible and invisible disabilities. We encourage applicants to share needed accommodations with their recruiter.

All Alloy jobs are listed on our careers page. Any communication during the recruitment process, including interview requests or job offers, will come directly from a recruiting team member with an alloy.com email address. We do not use outside applications or automated text messaging in our recruiting process. We will not ask for any sensitive financial or identification information during the recruiting process. If you’re ever unsure, please contact us directly via our website before sharing personal information.