Software Engineer - Trust & Safety at Nclusion – Palo Alto, California

About NclusionNclusion is on a mission to provide traditional financial services to 1.5 billion people worldwide without access today. Without a secure way to save, invest, or transfer money, individuals are not empowered to accumulate short or long-term wealth. We're changing that by bridging the gap between traditional banking and the communities that need it most.
About the RoleAs a Senior Software Engineer, you'll to help lead the design and development of our Trust & Safety systems. In this role, you’ll take ownership of mission-critical services that protect our customers and financial platform from fraud, abuse, and regulatory risk. You’ll work on complex, ambiguous problems and help shape the technical direction of trust and safety across the company.You’ll collaborate closely with product, data science, risk, compliance, and operations teams, and play a key role in turning evolving risk signals and regulatory requirements into scalable, reliable engineering solutions.
What You’ll Do

• Own the design, development, and operation of core Trust & Safety systems, including fraud detection, transaction monitoring, and abuse prevention services
• Architect scalable, highly available backend systems that operate in real time and at high transaction volumes
• Lead the implementation of decisioning frameworks, rules engines, and integrations with internal and external risk providers
• Partner with data scientists to productionize, monitor, and iterate on ML models used for risk scoring and anomaly detection
• Build and evolve internal tooling for manual review, investigations, and policy enforcement
• Drive improvements in system reliability, observability, latency, and data quality
• Participate in incident response, root cause analysis, and postmortems for trust and safety events
• Mentor engineers through design reviews, code reviews, and technical guidance
• Influence technical strategy and help define best practices for trust and safety engineering

What You Bring to the Table

• 5+ years of professional software engineering experience, with demonstrated ownership of production systems
• Strong backend engineering experience (e.g., Java, Kotlin, Go, Python, or similar)
• Proven experience designing and operating distributed systems at scale
• Solid knowledge of data storage, streaming, and processing systems (SQL/NoSQL, batch and real-time pipelines)
• Experience building reliable APIs and services with strong observability and operational excellence
• Ability to navigate ambiguous problem spaces and balance fraud risk, compliance needs, and user experience
• Strong communication skills and experience working cross-functionally

Nice to Have (not required)

• Prior experience in fintech, payments, lending, crypto, or marketplaces
• Hands-on experience with fraud detection, AML, KYC, or transaction monitoring systems
• Experience integrating machine learning models into production systems
• Familiarity with event-driven architectures (e.g., Kafka or similar)
• Knowledge of regulatory and compliance frameworks such as AML, KYC, PCI, SOC2
• Experience building platforms or tools used by operations, risk, or compliance teams

Benefits and Perks

• 📈 401k with 4% match with additional tiered options
• 🩺 Medical Insurance
• 🦷 Dental Insurance
• 👓 Vision Insurance
• 💸 Competitive compensation & equity – We believe in sharing success.
• ✈️ Flexible PTO – We focus on impact, not tracking vacation days. We encourage a minimum of 14 days.
• 🍽️ In-office lunch, team events & culture

Yearly Salary: $150,000 - $260,000
In our commitment to fostering a diverse and inclusive workplace, we value the unique perspectives and experiences each individual brings to our team. We encourage all candidates, regardless of background, to apply. Your skills, talents, and potential contributions matter deeply to us, and we believe in creating an environment where everyone has an opportunity to thrive. We recognize that meeting every listed requirement may not always be possible, but we value passion, determination, and a willingness to learn. Your application is an opportunity for us to discover the exceptional qualities you bring.