Senior Software Engineer (Backend), Fraud

About the role

BVNK operates a stablecoin-powered financial stack that facilitates global money movement for enterprises. As part of Mastercard, the company aims to create a comprehensive network for various forms of money, allowing businesses to build financial products and transact seamlessly across multiple currencies.

In this role, the Senior Software Engineer will focus on building and maintaining backend services that enhance fraud detection and risk management. Success in this position will involve creating low-latency systems, integrating with third-party data sources, and collaborating with various teams to ensure robust fraud prevention measures.

The salary range for this role is between $75,600 and $118,800, reflecting the competitive compensation offered by BVNK.

Skills that matter here

• Java: The role requires strong expertise in Java for building production backend systems.
• Spring Boot: Experience with Spring Boot is essential for developing scalable services.
• microservices: Hands-on experience with microservices architecture is necessary for this position.
• event-driven architectures: The role involves working with event-driven systems, ideally using Kafka.
• AWS: Familiarity with AWS is required for cloud infrastructure management.
• secure coding practices: A solid understanding of secure coding practices is crucial due to the sensitive nature of financial data.

Who this role suits

• A backend engineer with a strong background in Java and Spring Boot.
• Someone who thrives in a fast-paced environment and enjoys building from scratch.
• An individual who communicates effectively with both technical and non-technical stakeholders.
• A candidate with a data-driven mindset and experience in integrating with third-party APIs.

From the employer

Key Areas of Responsibilities

• Fraud platform development: Design, build and maintain secure, scalable backend services and APIs that power fraud detection, risk decisioning and controls.
• Real-time decisioning: Build low-latency services that assess risk and approve, decline or challenge activity in real time, including card authorisations and payments.
• Signal and data enrichment: Ingest and enrich device, session, behavioural and transaction data, and integrate it with third-party fraud and risk providers to build a full risk profile.
• Controls and friction: Build risk-based controls such as limits, velocity checks, blocks and step-up challenges (e.g. MFA or liveness) that stop fraud while keeping legitimate customers moving.
• Monitoring and alerting: Deliver the data pipelines, metrics and alerting that let the business measure fraud, tune rules and respond quickly to new attack patterns.
• ML and AI enablement: Work with data and ML colleagues to put machine learning models and AI-assisted workflows into production.
• Cross-domain collaboration: Work with Fraud Operations, Financial Crime, Cards, Payments and Data teams to deliver features end to end.
• Technical leadership: Contribute to architecture decisions, review code, mentor other engineers and help shape the engineering culture of a growing team.
• Operational excellence: Own your services in production, including monitoring, incident response and continuous improvement of reliability and performance.

What we need from you

• Backend expertise: Strong, proven experience as a backend engineer building production systems, in Java with Spring Boot.
• Distributed systems: Hands-on experience with microservices and event-driven architectures, ideally with Kafka or similar messaging platforms.
• Real-time, high-integrity systems: Experience building systems where low latency, correctness, idempotency and auditability really matter.
• Data-driven mindset: You're comfortable working with large volumes of event and transaction data, and with building pipelines that turn raw signals into decisions and insight.
• Integration experience: Experience integrating with third-party APIs and webhooks, including handling failures, retries and data quality.
• Cloud and infrastructure: Experience with cloud platforms (preferably AWS), containerisation and CI/CD pipelines.
• Security awareness: A solid grasp of secure coding practices and of handling sensitive data in regulated environments.
• Ownership and communication: You take ownership of outcomes, communicate clearly with technical and non-technical stakeholders, and do well in a fast-moving environment where you're building from scratch.
• AI-native mindset: You use AI tools and agentic workflows to speed up delivery and improve quality.
• Bonus: Fraud and risk domain: Experience building fraud detection, transaction monitoring, risk scoring or account takeover prevention systems.
• Bonus: Rules engines and ML: Experience with rules engines, or with putting ML models into production for real-time decisioning.
• Bonus: Cards and payments: Experience with card authorisation flows, 3DS, chargebacks or payment rails such as Faster Payments, SEPA or ACH.
• Bonus: Digital assets: Experience with stablecoins, crypto or blockchain-based payments.

What you can expect from us

• Fair and competitive salary at every stage of your growth.
• Flexible working hours, with hybrid working at its heart.
• A culture built on passionate, growth-minded people.
• A flexible approach to holiday.
• Opportunities to travel to our offices around the world.
• An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets.

At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.

Compensation packages are based on candidate experience and relevant certifications.