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About the Role

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.

Responsibilities

Own core pieces of the systems Alloy uses to catch fraud and risk at onboarding and throughout a customer's lifecycle.
Shape the direction of our newest AI feature, with real room to define the work yourself.
Design and ship performant Postgres queries and Node.js APIs for our decision engine.
Own, end to end, the systems that let clients maintain their own lists of people, accounts, or countries to automatically flag, block, or approve.
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.

Requirements

5+ years of professional software engineering experience, with real ownership of backend services in production.
Hands-on experience writing and optimizing SQL, including reasoning about query plans, indexing, and performance under load.
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.

Skills

Postgres
Node.js
TypeScript
OpenSearch
Elasticsearch
AWS Bedrock
SQS
Webhooks
React

Location

Union Square, Manhattan

Work Type

Hybrid

Experience Level

5+ years of professional software engineering experience

Salary/Compensations

$166,000 - $209,000

Benefits

Unlimited PTO and flexible work policy
Employee stock options
Medical, dental, vision plans with HSA (monthly employer contribution) and FSA options
401k with 100% match up to 4% of annual employee compensation
16 weeks of paid parental leave for eligible new parents
Home office stipend for new employees
Annual Learning & Development annual stipend
Well-being benefits include access to ClassPass, OneMedical, UrbanSitter, and Spring Health

About the Company

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.
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.

Equal Opportunity

Alloy is proud to be an equal-opportunity workplace and employer. We’re committed to equal opportunity regardless of race, color, ancestry, religion, gender, gender identity, parental or pregnancy status, national origin, sexual orientation, age, citizenship, marital status, disability, or veteran status.
We are committed to an inclusive interview experience and provide reasonable accommodations to applicants with visible and invisible disabilities. We encourage applicants to share needed accommodations with their recruiter.