{"id":1039049,"url":"https://alion.io/job/wise-senior-software-developer-ii-receive-risk","title":"Senior Software Developer II - Receive Risk","company":{"id":3856,"name":"Wise","domain":"wise.com","url":"https://alion.io/company/wise","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"SmartRecruiters","truth_index":{"grade":"B","score":80,"open_postings":34,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":21,"computed_at":"2026-10-10T05:45:15Z"}},"role":"Backend","role_family":"Backend","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":111000,"max":145000,"currency":"GBP","period":"year","gross":null,"usd_annual":192122},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":true,"technologies":[{"name":"Apache Kafka","optional":false},{"name":"Java","optional":false},{"name":"RabbitMQ","optional":false},{"name":"SQL","optional":false},{"name":"Machine Learning","optional":true}],"status":"live","first_seen_at":"2026-09-17T22:38:33Z","employer_posted_date":"2026-09-17","last_verified_at":"2026-10-11T17:36:02Z","board_verified":true,"closed_at":null,"days_open":23,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":23},"description":"Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed.\nWhether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their life easier and save them money.\nAs part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere.\nMore about our mission.\n Team you will be working with: Receive Risk\nThe Receive Risk team is part of Acquiring Squad, in the Global Product tribe, dedicated to ensuring customers can receive money quickly and securely, using our full suite of Acquiring products. We build smart fraud detection and prevention systems to stop scammers and fraudsters from exploiting Wise or defrauding our customers.\nSupporting our full suite of Acquiring products - QuickPay, Payment links, Invoices, e-commerce, and more - we work closely with our financial crime teams to strike the perfect balance: seamless experiences for legitimate users, strong barriers against bad actors.\nWhat will you be working on?\nWe're looking for a Senior Backend Engineer to build a fraud engine that will help us ship new products and features quickly while keeping risk and cost low. This will involve working closely with Product, Data Science, Fraud Prevention Analysts and our Fraud agents to strike the right balance between scaling quickly and mitigating risk efficiently.\n What do you need?\nHands-on experience with distributed systems, including microservices architecture and backend services supporting large-scale traffic.\n\nProven ability to deliver high-performance, low-latency systems with a focus on speed, scalability, and reliability.\n\nStrong product-oriented mindset, with end-to-end ownership of features and close collaboration across teams.\n\nProficiency in Java (preferred) or solid experience with similar backend programming languages.\n\nFamiliarity with messaging systems such as Kafka or RabbitMQ, and strong knowledge of relational databases (SQL).\n\nExcellent communication and collaboration skills, combined with a growth mindset and focus on delivering user and business value.\n\nNice to Have:\nUnderstanding of basic machine learning concepts and experience building data pipelines.\n\nMentorship experience, helping team members grow and contributing to a culture of continuous learning.\n\n Interested? Find out more:\nHow we work - a practical guide\n\nDEI @ Wise\n\nWise Tech Stack (2025 update)\n\nOur Engineering career map\n\nScaling our Infrastructure; how we make it work\n\nWise Engineering -https://medium.com/wise-engineering\n\nWhat do we offer:\nStarting salary: £111,000 - £145,000 + RSUs\n\nWise Benefits\n\nFor everyone, everywhere. We're people building money without borders - without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.\nWe're proud to have a truly international team, and we celebrate our differences.\nInclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.\nIf you want to find out more about what it's like to work at Wise visit Wise.Jobs.\nKeep up to date with life at Wise by following us on LinkedIn and Instagram.","description_format":"text","description_chars":3344,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[{"language":"English","level":"All levels","optional":false}]},"benefits":["Continuous learning"],"hiring_locations":[{"name":"United Kingdom","iso":"GB","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Money Transfer & Remittances","Currency Exchange & FX Payments"],"lifecycle":[{"event":"open","at":"2026-09-18T17:53:00Z"}],"visa":[],"liveness":{"score":29,"band":"fade","label":"Fading","p_open":1,"p_active":0.53,"p_room":0.55,"age_days":22,"expected_fill_days":21,"reasons":["conf:1","stale_co","velocity","win:tail","comp:brand"],"computed_at":"2026-10-10T05:45:15Z"},"pay":{"stated_usd_annual":192122,"is_top_pay":true},"html_url":"https://alion.io/job/wise-senior-software-developer-ii-receive-risk","json_url":"https://alion.io/job/wise-senior-software-developer-ii-receive-risk.json","meta":{"generated_at":"2026-10-11T20:30:21Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":8559,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-12T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":3856},"rest":"https://alion.io/mcp/rest/get_company?id=3856"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fwise-senior-software-developer-ii-receive-risk"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fwise-senior-software-developer-ii-receive-risk"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fwise-senior-software-developer-ii-receive-risk"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/wise-senior-software-developer-ii-receive-risk\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fwise-senior-software-developer-ii-receive-risk"}]}