Lead Enterprise Risk Engineer

Equiti is a pioneering fintech firm and world-class provider of multi-asset fintech products - from liquidity solutions to in-house tech hubs to online trading platforms. With over 400 global specialists in 9 languages, Equiti provides clients with access to individual, professional, and institutional brokerage services in Europe, the Middle East, and Africa.

At Equiti, we believe that financial opportunities can unlock potential for everyone, everywhere. We’re on a mission to deliver accessible online trading products around the world through education and accessibility.

Think finance is stuffy? Think again.

At Equiti, we’re building fintech with a purpose: making wealth tools accessible to everyone. As we continue to grow, we’re on the lookout for talented individuals who can perform and excel in a dynamic and innovative working environment. Our Technology department would like to welcome a hands-on

Lead Enterprise Risk Engineer in our office in Bengaluru, India

As Lead Enterprise Risk Engineer, you lead the engineering of Equiti’s shared risk infrastructure: one realtime, auditable decision layer that every product surface plugs into, across KYC, onboarding, trading, stocks, wealth and payments. Your goal is to keep fraud, financial crime and abuse losses as low as possible without adding friction for good clients. Reporting to the Group Head of AI Labs, you partner with product, Compliance and Risk teams across the Group.

In fintech and wealthtech, fraud losses, chargebacks and regulatory penalties go straight to the P&L, and a single AML failure can put a licence at risk. You will build a central risk and decision engine that consumes data from every team and provides the rules, sanctions screening and interventions they all rely on, so risk decisions are consistent, real time and auditable.

This is a build-led role. You set the architecture and stay close to the code, guide a team of risk-focused engineers, and act as the independent technical challenge point for platform and architecture changes that affect risk.

Responsibilities

Risk Decisioning Platform

• Own the design and build of a sanction-grade, real-time risk decisioning engine that blends rules and ML scoring into a single decision API used across Equiti’s products.
• Deliver a self-serve rules engine so risk analysts can author, test and roll back rules without an engineering deploy.
• Build velocity, limits and enforcement controls that are highly available and fully auditable, so every decision can be traced for regulators and auditors.

Fraud & Financial Crime

• Own the device and session intelligence layer, including build-vs-buy decisions.
• Partner with Data Science to deploy and govern fraud models (account takeover, synthetic identity, mule detection, payment fraud, promo abuse), with confirmed outcomes feeding back into rules and models.
• Deliver sanctions and PEP screening and AML transaction monitoring in partnership with Compliance, tuned to keep false positives low.

Leadership & Collaboration

• Lead and mentor a team of risk-focused engineers, and set the team’s technical standards, priorities and roadmap.
• Provide independent technical challenge on platform and architecture changes that affect risk.
• Report on control effectiveness and risk posture at governance forums, and build strong relationships across Technology, Risk, Compliance, Data Science and Audit.

Experience Requirements

• 8+ years in software or data engineering, including 4+ years building fraud, financial crime or risk systems in financial services or a similarly regulated environment.
• Proven experience building and running real-time, low-latency decisioning or scoring services in production.
• Hands-on experience with rules engines and ML models in production: feature pipelines, model serving and monitoring.
• Working knowledge of sanctions, PEP screening and AML transaction monitoring regulatory requirements and control design.
• Strong technical grounding in SQL and Python, cloud data platforms such as Databricks, and BI and visualisation tools.
• Experience with streaming and event-driven architectures for real-time data.
• A track record of building monitoring, alerting and dashboard solutions.
• Technical leadership experience: mentoring engineers, setting standards and growing technical talent.
• Experience providing independent architecture or technical design challenge, and the credibility to influence senior technology, risk and compliance leaders.
• Degree in a relevant technical, risk or quantitative discipline, or equivalent practical experience.

Nice to Have

• Background in brokerage, trading, wealth or payments.
• Experience integrating third-party device intelligence or fraud detection providers.
• Graph or network analytics for mule and linked-account detection.
• Experience working with regulators across multiple jurisdictions.
• Familiarity with model risk management frameworks.

Perks

Each of our offices has its special perks; be it ‘no ties’, free lunches, charity events, or a hybrid work policy - but whenever you walk into an Equiti office, you’re sure to see a friendly face. We encourage international collaborations and always keep our eyes open to how we can do more.

The benefits you can expect at your Equiti workplace include:

• Competitive salary package
• Medical insurance coverage for employees and family members
• Smart working options
• Employee wellness initiatives
• Company lunch in the office
• Regular company events

With energy, drive, and imagination, there’s no limit to where your career can go at Equiti. With a diverse workforce and geographical spread of offices, we strongly support career development initiatives as well as provide a range of opportunities for professional and life experiences.

Equiti is an equal opportunity employer.

“Equiti” refers to a group of companies consisting of seven regulated financial services companies licensed to operate in the respective jurisdictions of their incorporation, in addition to our tech and marketing hubs. Equiti has presence in Africa, Europe, and the Middle East.