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Staff Software Engineer, Fraud & Payment Risk Platform

Lead backend architecture and development for a Fraud and Payment Risk Platform at a growth-stage FinTech company.

Location
New York City, New York, United States
Compensation
$200k–$250k/yr
Level
staff
Type
full time · Hybrid

Posted by employer 1 day ago

First seen on Joblaze 8 hours ago

Last verified on the company career page 8 hours ago

Apply at Flex → Save job Scanned from getflex.com

Skills & Technologies

What you'll build

  • Lead backend architecture and development for the Fraud and Payment Risk Platform
  • Design for scalability, performance, and reliability
  • Build capabilities for feature ingestion and integration
  • Own engineering infrastructure across the ML lifecycle
  • Drive complex initiatives from design through production

Must have

  • 6+ years of professional software engineering experience
  • 5+ years of hands-on Java experience
  • Experience leading the architecture and delivery of complex distributed systems
  • Strong understanding of API design and service integration
  • Experience with cloud infrastructure and containerized deployments

Nice to have

  • Experience building risk platforms or decision engines
  • Experience with feature platforms or configurable rules engines
  • Familiarity with AWS services such as EKS and Aurora
  • Experience with infrastructure as code and CI/CD automation
  • Familiarity with tools such as Datadog for observability

Practical constraints

  • On-site expectations of 2-3 days per week in local offices

Role intensity

40% coding

Requirements

Experience
6+ years

Not disclosed in this posting: visa sponsorship.

Joblaze summary

The Staff Software Engineer for the Fraud and Payment Risk Platform at Flex is responsible for leading the architecture and development of backend services that enhance fraud prevention and payment risk decision-making. This role requires expertise in Java, Spring Boot, and cloud infrastructure, along with a strong understanding of API design and distributed systems. Ideal candidates will have significant experience in software engineering and a background in building complex backend platforms. Flex is a growth-stage FinTech company that emphasizes collaboration and diverse perspectives in its engineering teams.

Joblaze insights

  • Listed today — first seen on Joblaze November 12, 2026. Last confirmed on Flex's careers page November 12, 2026.
  • Salary band is above the typical range for Backend roles (median ~$180,000).
  • Starts above 20% of 83 comparable staff backend roles in United States that list Python we track (median $218,025 across 32 companies). See Python salary trends
  • Python appears in 36% of 292 comparable staff backend roles in United States; Spring Boot appears in 0.7% of 292 comparable staff backend roles in United States.

Quick facts

Is the Staff Software Engineer, Fraud & Payment Risk Platform role remote?
It's hybrid — Flex expects some on-site time in New York City, New York, United States.
What's the salary range?
Flex lists $200,000–$250,000 for this role.
How much experience is required?
At least 6 years of relevant experience for this Staff Software Engineer, Fraud & Payment Risk Platform role.
Where is the role based?
Flex is hiring for this position in New York City, New York, United States.
What's the tech stack?
Joblaze extracted these technologies from the posting: AWS, Java, Python, Spring Boot.
What seniority level is this role?
Flex targets staff-level candidates for this position.
Is this full-time or contract?
Full-time for this Staff Software Engineer, Fraud & Payment Risk Platform role at Flex.

From the original posting

Flex is a growth-stage, NYC headquartered FinTech company that is building the payment layer for life's financial obligations, giving households one place to see, split, and pay their bills around how they live and get paid. By offering greater choice over how and when payments are made and allowing eligible on time payments to help build a positive credit history, Flex puts households back in control of their cash flow.

About the role

Flex is looking for a Staff Software Engineer to build and scale our Fraud and Payment Risk Platform. You will lead the architecture and hands-on development of backend services and shared infrastructure for fraud prevention and payment risk decisioning.

The platform combines real-time, near-real-time, and offline/batch-computed risk features with business rules, machine learning model outputs, and experimentation. You will make these capabilities reliable, scalable, and observable, enabling teams to develop, validate, and launch risk strategies faster and more safely.

This is a hands-on backend and platform role with technical ownership from architecture through production. You will collaborate with product, risk policy, data science, and engineering teams to turn risk strategies into reusable platform capabilities. Your scope includes feature ingestion and integration, user acceptance testing (UAT), experimentation, and engineering infrastructure supporting the full machine learning (ML) lifecycle—from development and validation workflows through deployment, serving, and production monitoring—in partnership with data scientists who own model research and training.

What you’ll do

  • Lead backend architecture and development for the Fraud and Payment Risk Platform, including decisioning services, APIs, and shared infrastructure for evolving business needs.
  • Design for scalability, performance, and reliability, balancing latency, throughput, availability, data consistency, and cost.
  • Build capabilities for feature ingestion, integration, and serving, supporting real-time, near-real-time, and offline/batch-computed features with attention to freshness, correctness, and availability.
  • Develop infrastructure for rules and experimentation, enabling teams to configure and version risk strategies, perform user acceptance testing (UAT), evaluate changes, and safely roll them out.
  • Own engineering infrastructure across the ML lifecycle, supporting development and validation workflows, deployment, inference, versioning, safe rollouts, rollback, and integration of model outputs into risk decisions.
  • Own monitoring and alerting across the platform, covering service health, feature freshness and quality, rule and experiment execution, and model inference. Partner with risk policy and data science teams to monitor model behavior and decision outcomes.
  • Improve platform extensibility and usability, so teams can add features, rules, models, and experiments without duplicating infrastructure or tightly coupling systems.
  • Drive complex initiatives from design through production, including technical design proposals, hands-on implementation, performance testing, migration planning, and cross-team coordination.
  • Raise the engineering bar through design and code reviews, mentorship, and improvements to testing, documentation, deployment safety, and operations.

Our backend stack includes Java, Spring Boot, Python, and AWS.

Qualifications

Minimum qualifications

  • 6+ years of professional software engineering experience, including substantial experience building and operating backend systems in production.
  • 5+ years of hands-on Java experience, including building services with Spring Boot.
  • Experience leading the architecture and delivery of complex distributed systems or shared backend platforms.
  • Strong understanding of API design, service integration, data modeling, caching, and distributed-system failure modes.
  • Experience diagnosing performance bottlenecks and improving scalability and reliability through measurement, testing, and production troubleshooting.
  • Experience with cloud infrastructure, containerized deployments, and relational and NoSQL data stores.
  • Experience establishing observability, monitoring, and alerting for production systems.
  • Ability to lead technical decisions across teams, communicate architectural trade-offs clearly, and mentor other engineers.

Preferred qualifications

  • Experience building risk platforms, decision engines, or fraud/payment risk systems is a plus, though risk-domain experience is not required
  • Experience with feature platforms, configurable rules engines, experimentation infrastructure, or production model-serving systems.
  • Experience building shared platforms that other engineering or risk teams adopt and operate independently.
  • Familiarity with AWS services such as EKS, Aurora, ElastiCache, and DynamoDB.
  • Experience with infrastructure as code and CI/CD automation using tools such as Terraform, CDK, and GitHub Actions.
  • Familiarity with tools such as Datadog for observability and Snowflake for analytics.

Compensation

Flex takes a market-based approach to pay, and compensation may vary depending on your primary work location. Work locations are categorized into one of three tiers based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be commensurate with their experience, qualifications, and Flex’s internal leveling guidelines and benchmarks.

Tier 1 (NYC/Bay Area, Los Angeles, Seattle)
$200,000—$250,000 USD
Tier 2 (Austin, Washington D.C. Philadelphia, San Diego, Chicago, Atlanta)
$180,000—$225,000 USD
Tier 3 (Salt Lake City, all other USA cities)
$170,000—$212,500 USD

Life at Flex

Standard company text repeated across Flex's postings is omitted here.

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