Senior Software Engineer (Fraud)

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

We are looking for a Senior Software Engineer specializing in Backend development. The team is located entirely in Poland, including the Engineering Manager and Product Manager, however it requires a close collaboration with US stakeholders and engineers.

The Fraud Ops and Compliance Tools team’s mission is to empower operations and compliance orgs by building tools that help Identify, mitigate and report fraudulent and suspicious activity. In leading this team you’ll help Affirm be compliant by building a global sanctions screening engine, case management system, and Anti-money laundering risk rating model.

What You’ll Do

• Work cross-functionally with colleagues in Machine Learning, Product, Compliance, Analytics and Fraud Ops teams to set and execute our financial crimes mitigation strategy and improve Fraud Operations efficiency.
• Write high-quality code in Python that can be easily understood and leveraged by others.
• Build APIs and workflows to work within micro-service and event-driven architectures.
• Review others’ work and provide constructive feedback in order to maintain high and consistent quality standards across teams.
• Take an active role in mentoring junior engineers, and the processes that support team growth and efficiency.
• Effectively incorporate needs and opinions from stakeholders, advocate for ideas and initiatives, and create a common understanding where all voices are heard.
• Conduct technical and soft skill evaluations to inform and influence the hiring decisions. Develop and review the technical content and requirements of the interview process.
• On-Call Rotation – There would be an on-call rotation for this role as a requirement

What We Look For

• 5+ years of software engineering experience, including at least 1 year in a senior-level position.
• Strong coding skills are essential, with a preference for proficiency in Python. However, we value language-agnostic abilities and welcome expertise in other programming languages.
• Superb sense of ownership and accountability. You are not afraid to tackle challenges head-on and take responsibility for innovative solutions.
• A strong understanding of distributed systems and how architectural decisions affect performance and maintainability.
• Excellent communication skills, both written and verbal. Must be proficient in asynchronous mode of communication–written tech specs, wiki, project plans, etc.
• Excellent project management skills–high degree of organization and ability to surface critical information effectively.Work with our Product team to extend our core decisioning service; building new risk and fraud mitigation features
• Passion for working with multi-functional teams including Product, Design, Analytics and Business teams.
• Experience with AWS and/or other cloud providers is a plus.
• Experience with Snowflake and dbt is a plus.

Compensation & Benefits

Base Pay Grade – N

Equity Grade – Spain 4

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. 

Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

ESP base pay range per year: €85,000 – €115,000

Additional benefits include:

• Flexible Spending Wallets for tech, food and lifestyle
• Away Days – wellness days to take off work and recharge
• Learning & Development programs
• Parental leave
• Employee Resource & Community Groups

We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role.

Location – Remote Spain

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include: 

• Health care coverage – Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets – generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off – competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP – An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking “Submit Application,” you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.