About ONE

ONE's mission is simple — financial progress. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money — all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

The role

As a Risk Implementation Engineer your mandate is to architect and implement the credit, fraud and compliance (risk) strategies into a low-code/no-code platform which will power the onboarding and account management experience for all ONE users. In this role, you will collaborate with business, operations, product and engineering teams to understand the intent and design solutions that are resilient, scalable, and forward looking. Finally, you will assist in BAU and performance testing, as well as platform performance optimization to ensure we are meeting the business SLAs and SLOs. This role reports to Manager, Risk Platform.

This role is responsible for:

• Identifying opportunities, building business cases, and defining product vision and strategy

• Having a deep understanding and empathy for our customers and members

• Having a technical understanding of system design and basic system architecture principles

• Collaborating with engineers, business, and product to understand the requirements and design, develop and implement the product workflow

• Testing the implemented processes to identify and resolve issues before Production deployment

• Measuring the performance of implemented processes and identifying areas for optimization

• Creating and maintaining detailed documentation of the implementation process

• Communicating plans, progress, and decisions to internal stakeholders and executives

• Creating, maintaining, and evangelizing your team's implementation roadmap

• Researching new technologies, vendors, and solutions to bring best in class capabilities to ONE

• Managing relationships with 3rd parties including creation of joint roadmaps, weekly meetings, and development workstreams

You Bring

• 5+ years of experience as an Risk/Decision Implementation Engineer. You've built and shipped big projects in a zero-to-one environment.

• Hands-on development experience in at least one of the following decision platforms required: FICO Blaze, Powercurve, Provenir, GDS Link, SAS RTDM, Zoot, Drools, OpenCPU.

• Experience with programming languages such as SQL, Python, Javascript

• Experience with RESTful APIs and testing tools such as Postman, SoapUI, and IntelliJ.

• Experience with data representation languages such as XML and JSON.

• Strong Technical Skills and experience in system implementation, integration, and troubleshooting.

• Possess in-depth knowledge and experience in business process modeling and optimization

• Outstanding written and verbal communication. You can quickly get everyone on the same page.

• Passion for the product. You're inspired, not daunted, by the scale of what you're up against.

• Problem solving, creativity, and resiliency. Fintech is a notoriously difficult domain. You relish the challenge of threading the needle between competing priorities, constraints, and market dynamics.

• The Triple H Factor: Humble, Hungry and Honest.

• An act-like-an-owner mentality. We have a bias toward taking action.

• Familiarity with credit, fraud, risk, or compliance systems and/or strategies a plus

• Familiarity with workflow/BPMN tools is a plus

• Self-starter with a can-do attitude who is interested in making 1+1=3 (adding value above and beyond the requirements on paper)

Pay Transparency

The estimated annual base salary for this position ranges from $120,000 to $135,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

What it’s like working @ ONE

Our teams collaborate remotely and in our work spaces in New York and Sacramento.

• Competitive cash - we don’t discount based on location

• Benefits effective on day one

• Early access to a high potential, high growth fintech

• Generous stock option packages in an early-stage startup

• Remote friendly (anywhere in the US) and office friendly - you pick the schedule

• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave

• 401(k) plan with match

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.