Staff Engineer, Trust & Safety – Risk & Fraud Systems

P2P; San Francisco (CA); On-site; USD 200,000 - 250,000; Full time

Benefits offered by this job

Competitive salary

Equity

Remote stipend

Flexible hours

Unlimited vacation

401(k)

Wellness benefit

Meal benefit

Global off-sites

Job summary

Phantom is seeking a Trust, Risk & Safety Engineer to build systems that safeguard users, products, and the platform across the stack. You’ll prevent abuse, assess risks, reduce financial loss, and empower teams with actionable risk insights.

The role emphasizes real-time risk controls for payments and identity/compliance infrastructure. Ideal candidates have 8+ years of software engineering, data-intensive production experience, and a passion for protecting users in fintech.

Qualifications

• Bachelor’s degree in CS or related field.
• 8+ years of software engineering experience.
• Experience designing and operating data-intensive production systems.
• Strong product judgment balancing UX, risk, and complexity.
• Ability to work across frontend, backend, APIs and data pipelines.
• Interest in protecting users and building trustworthy financial products.
• Nice to have: fraud, risk, identity, KYC/AML, or blockchain experience.
• English language proficiency.

Responsibilities

• Fraud prevention: Build real-time risk controls and decisioning systems for products such as ACH, debit cards, onramps, off-ramps, and other money movement experiences.
• Scam and abuse detection: Develop signals, models, and product interventions that identify malicious wallets, transactions, applications, and user behavior.
• Identity and compliance infrastructure: Build scalable KYC, sanctions screening, transaction monitoring, case management, and audit systems.
• Data and intelligence: Create pipelines and tools that combine on-chain activity, product data, and third-party signals into actionable risk insights.
• Product safety: Partner with product and engineering teams to design safeguards into new features from the beginning without compromising the user experience.
• Operational tooling: Build internal tools that help Risk, Compliance, Support, and Security teams investigate incidents and take action efficiently.
• Team building: Help establish the technical foundations and engineering culture for a new, high-impact function at Phantom.

Skills

Software engineering

Data pipelines

Frontend–Backend

Product risk judgment

English proficiency

Education

Bachelor's in CS

Job description

Phantom is seeking a Trust, Risk & Safety Engineer to build systems that safeguard users, products, and the platform across the stack. You’ll prevent abuse, assess risks, reduce financial loss, and empower teams with actionable risk insights.

The role emphasizes real-time risk controls for payments and identity/compliance infrastructure. Ideal candidates have 8+ years of software engineering, data-intensive production experience, and a passion for protecting users in fintech.