Senior Software Engineer, Risk

ABOUT AIRWALLEX Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,700 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles https://www.airwallex.com/en-us/operating-principles to see it in full. HOW YOU'LL MAKE IMPACT You’ll build and enhance Airwallex’s payment products and transaction systems using Java or Kotlin. You’ll design and develop components on our microservice framework, with a focus on scalable and reliable services. You’ll improve the systems that protect Airwallex’s products and services, using technologies such as graph databases, machine learning and LLMs to support risk management. - Drive architectural improvements across distributed, high-concurrency systems by experimenting with new technologies and applying sound engineering judgment. - Improve the reliability and scalability of payment products, transaction systems and risk-management capabilities. - Build services that support the detection and mitigation of evolving fraud risks across Airwallex’s products. - Partner with senior engineers to raise software engineering practices and coding standards. - Mentor less-experienced engineers and help strengthen the team’s technical capability. You'll be in our Singapore office five days a week. WHAT WE'RE LOOKING FOR ESSENTIALS - More than four years of core Java development experience and more than five years of experience building internet applications, large financial systems or e-commerce platforms. - More than three years of experience developing risk or payment platforms. - A bachelor’s degree in computer science or a related discipline. - Strong proficiency in Java, including Java multithreading, high concurrency, I/O, NIO and network communication. - Experience with common design patterns and the design and development of large-scale, distributed, high-concurrency, high-load and highly available systems. - Strong knowledge of server technologies, including service-response and data-query optimisation, service quality and high-concurrency and high-availability problem solving. - Familiarity with Spring, Spring Boot and RESTful services. - Experience with Gradle, Maven or other build tools. - Familiarity with JSON and XML. PREFERRED - In-depth knowledge of risk-management strategies and fraud-detection techniques, particularly in financial services or fintech. - Familiarity with graph databases and their use in pattern and anomaly detection. - Experience with machine-learning models and frameworks for predictive risk analytics. - Familiarity with real-time data-streaming technologies such as Apache Kafka or Flink. - Strong data-analytics skills, with experience using ClickHouse, Spark or NoSQL databases for large-scale data processing and risk analysis. - Advanced problem-solving skills, including experience with incident response and risk-mitigation planning. - Strong communication skills and a collaborative approach to working with teammates and partners. YOU'LL THRIVE HERE IF - You're comfortable making decisions with incomplete information and moving quickly anyway. - You're comfortable with ambiguity. Give you a problem, not a prescription, and you'll run with it. - You own the outcome and you don't wait for permission to fix what's broken. - You enjoy working closely with people across multiple countries and time zones as part of one connected, global team, including flexing your hours occasionally to make that connection work. - You value in-person collaboration and are happy being in the office five days a week. LEARN MORE ABOUT YOUR TEAM Risk Platform builds the decisioning infrastructure that sits between Airwallex and every dollar that moves through it, protecting 150,000+ businesses moving over US$260 billion a year across 150+ countries and 60+ currencies, and deciding, often in milliseconds, whether a new signup is real, a payment is safe, or a login is who they claim to be. The hard part is that fraud evolves fast, and every decision carries a two-sided cost: miss an attack and money is lost, over-block and a legitimate business can't get paid. We build this with streaming pipelines processing billions of events a day, graph databases exposing coordinated fraud rings, ML models scoring every transaction, and LLM agents that triage alerts. You don't need a fintech background, just an appetite for adversarial systems problems where the scoreboard is measured in dollars. If you want to help scale one of the world's fastest-growing financial platforms safely, this is the team. APPLICANT SAFETY POLICY: FRAUD AND THIRD-PARTY RECRUITERS To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com http://airwallex.com email address. Please apply only through careers.airwallex.com http://careers.airwallex.com or our official LinkedIn page. Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/