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About the Role
As a Risk Engineer at Cardless, you'll own the systems that decide whether to trust a person, a device, or a transaction. You will build the risk decisioning layer for card authorization and mobile wallet provisioning, moving fraud logic from vendor dashboards into a testable control plane. This senior-to-staff role offers architectural ownership, working directly with Risk and Fraud Operations teams to build real-time detection, alerting, and gate servicing changes on risk evaluation.
Responsibilities
- Build the risk decisioning layer for card authorization and mobile wallet provisioning: what gets approved, stepped up, or frozen
- Move fraud logic out of vendor dashboards into one testable control plane, with shadow mode, staged rollout, and kill switches
- Build real-time detection and alerting across velocity, cross-provisioning, and device signals, plus a lockdown posture for active attacks
- Gate servicing changes (address, phone, email, reship) on risk evaluation, and ship the tooling our fraud analysts work in daily
Requirements
- 6+ years building production backend systems, with meaningful time in fraud, payments risk, or trust and safety engineering
- Experience building risk systems: decisioning services, rules engines, real-time scoring, step-up orchestration
- Strong distributed systems and API fundamentals in a modern backend language (Java preferred, Python for data work)
- Ability to think in terms of blast radius, rollback speed, and incident management
Skills
- Fraud detection
- Risk decisioning
- Distributed systems
- API fundamentals
- Java
- Python
- Real-time detection
- Alerting
- Risk evaluation
- Card issuing
- Auth-time decisioning
- Tokenization
- Wallet provisioning
- Disputes
- PCI knowledge
- Account takeover
- Step-up authentication
- OTP
- SIM swap
- Phishing resistance
- Device fingerprinting
- Passkeys
- IDV
- Risk or identity vendor experience
Location
- San Francisco, CA
Work Type
- 5 days a week in office
Experience Level
- Senior-to-staff
Salary/Compensations
- $190,000 - $295,000
Benefits
- Meaningful Start-up equity
- 100% health, vision & dental primary coverage
- 75% health, vision & dental dependent coverage
- Catered lunches
- $250/month Commuter benefit
- Parental leave
- Team building events & happy hours
- Flexible PTO with a minimum of 15 days off per year
- Apple equipment
- 401k plan
About the Company
- Cardless is building the infrastructure for companies to design, build, and launch financial products. Companies use Cardless to create credit cards, with APIs and components shaping the customer journey while Cardless handles lending, compliance, and operations. The company raised $60 million in Series C funding in September 2025, bringing total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026. They seek kind, humble people with high standards and low egos who are driven to improve products, systems, and teams.