Senior Software Engineer- Risk API

This job is with Wise, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community. Please do not contact the recruiter directly.
Wise is a global technology company, building the best way to move and manage the world's money.

Min fees. Max ease. Full speed.
Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.

For everyone, everywhere.
More About Our Mission And What We Offer.
We're looking for an experienced Senior Product Engineer to join the Servicing Platform Squad / Risk Assessment Group. You'll be instrumental in building the core Risk Triggering API and its underlying platform, which is critical for real-time transaction and user behavior risk assessment.

This role sits at the intersection of Product and Financial Crime (FinCrime) teams, offering a unique opportunity to gain deep expertise in both fast-paced product development and the stringent requirements of financial security and compliance.

You will be the driving force behind the platform's reliability and integrity, focusing on:

• API Excellence: Defining and owning the API contracts in close collaboration with Product and FinCrime teams.
• Data Integrity: Establishing best practices for Data Quality, Data Lineage, and Data Governance within the risk assessment pipeline.
• Scalable Solutions: Designing and implementing robust solutions that can be quickly understood and scaled across multiple distinct risk domains and products.
• Problem-Solving: Diving into complex domain problems, identifying the root causes, and proposing elegant, scalable engineering solutions.

What will you be working on?

You will join the team at a pivotal moment, with your contributions being immediately visible and critical to the success of the entire Risk Assessment platform.

The core challenge for the team—and your immediate focus—is to fundamentally re-engineer the current integration between our Product and Financial Crime (FinCrime) domains.

Your Immediate Impact Will Be To

• Define the Future Architecture: Lead the design and implementation of robust, scalable abstractions that satisfy the needs of both fast-moving Product teams and compliance-critical FinCrime teams.
• Establish Integrity: Set the engineering standard for data quality, lineage, and API contracts from day one, building a foundation of reliability.
• Solve the Abstraction Problem: Build the Risk Triggering API that cleanly separates the business logic of risk assessment from underlying systems, moving the organization away from tight, brittle coupling.
• Accelerate Delivery: Directly enable faster, safer feature development for Product while significantly strengthening the defensive posture of the FinCrime Group.

In short, you will be designing the core contract that governs how the company assesses and manages financial risk for years to come.

Qualifications
We are fully aware that it is uncommon for a candidate to have all skills required and we fully support everyone in learning new skills with us. So if you have some of those listed below and are eager to learn more we do want to hear from you

You Will Have

• Proven experience leading and mentoring high-performing engineering teams.This includes the day-to-day management of engineers, focusing on professional development, performance and the successful delivery of complex projects
• Strong hands-on experience with Java (8+) and the Spring Framework.
• A deep understanding of microservices and event-driven architectures.
• Experience leading high-impact, large-scale projects.
• A product mindset (where you think about customer impact, not just technical implementation).
• Strong communication and problem-solving skills, with experience in conflict resolution.
• Experience working closely with multiple functions (e.g: Product, Design, Analytics).

You Might Also Have

• A background in Fintech is a plus, but not required.
• Experience in a startup environment, delivering value quickly and iteratively.
• The ability to "wear many hats" and take on challenges outside of your primary responsibilities.

Additional Information

Interested? Find out more:

• How we work – a practical guide
• DEI @ Wise
• Wise Tech Stack (2025 update)
• Our Engineering career map
• Scaling our Infrastructure; how we make it work

Wise Engineering –
For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.

Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visitWise.Jobs.

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