Senior Software Engineer, Build Oak

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.

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.

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

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