Lead Engineer, Fraud & Real-Time Data

About the Role
RiskScout is building the compliance infrastructure layer for community and regional banking and we're scaling fast. We're looking for a Lead Engineer to own development of our real-time transaction fraud detection platform and the integrations that connect it to the core banking ecosystem (Jack Henry, Finastra, Fiserv, FIS, and others).
This is a role for a strong Senior or Staff-level engineer who wants real ownership without the overhead of a large organization. You'll work within a small, focused team where decisions get made quickly, bureaucracy is low, and your work has a direct line to production. You'll have close access to the CTO and genuine influence over what gets built and how. The expectation is high. So is the opportunity.
You'll carry significant technical ownership, ship a high volume of meaningful work, and be a genuine thought partner on the product side. You'll work directly alongside our domain experts to shape what we build, not just execute on it.
We build with AI tooling as a first-class part of the development process. This isn't aspirational. It's how we operate. We're looking for someone who has genuinely incorporated AI into how they work and sees it as a multiplier, not a shortcut or a threat.
What You'll Work On
Real-time fraud detection: Design and build low-latency transaction screening pipelines handling ACH, wire, and P2P flows. Think velocity counters, behavioral pattern detection, and rule engines that operate at transaction time.
Core banking integrations: Build and maintain integrations with Jack Henry (jXchange), Finastra, Fiserv, FIS, DCI, and emerging providers. Understand the difference between a real integration and a file extract.
Product collaboration: Sit alongside compliance SMEs, product, and customers to help define what the system should do. You'll ask "why" before you ask "how," and you'll push back when the requirements don't add up.
Data infrastructure: Work across our GCP stack to move data reliably, fast, and at scale.
Technical leadership: Scope work, lead and unblock other developers, review PRs, and keep the project moving without needing heavy process overhead.
What We're Looking For
What matters most?
Solid production experience building real-time or event-driven systems where correctness and latency both matter. You've shipped something serious and know what that takes
The ability to read a problem domain quickly and translate ambiguous requirements into well-reasoned technical decisions, regardless of where that domain experience came from
Experience building and owning third-party integrations across the full spectrum: REST, SOAP, webhooks, file-based
Working knowledge of Ruby on Rails. You don't need to be an expert, but you can navigate and contribute to a Rails codebase
AI-native development as a genuine habit. You use Cursor, Claude, Copilot, or similar tools as a core part of how you work, not an experiment
The ability to hold a product conversation and a technical conversation in the same breath. You don't wait to be told what to build
Enough leadership experience to keep a mid-level developer unblocked and moving forward, even when you're deep in your own work
Helpful background
Experience in financial services, fintech, payments, or any domain where compliance and correctness are non-negotiable
Familiarity with ACH/NACHA processing, ISO 20022, or core banking data models
Hands-on GCP experience (Bigtable, BigQuery, Pub/Sub, Cloud Run)
Exposure to fraud detection, AML, or transaction monitoring systems
Nice to have
BSA/AML compliance platforms, OFAC screening, SAR/CTR workflows, or FinCEN 314(a)/(b)
Prior work at a fintech, core banking vendor, or financial institution technology team
Who You Are
You pick up new domains fast. You ask good questions, pattern-match against what you already know, and start forming opinions quickly. You don't need every requirement handed to you. You can sit in a room with a compliance officer or a bank operations team and come out with a clear picture of what needs to be built.
You default to simple. You know the complex solution and you've probably built it before, but your first instinct is to ask whether you actually need it yet. You're comfortable building something that will need to be rearchitected when the time comes, because you understand that's not technical debt. That's a system that grew with the business.
You don't say "that wasn't in the spec." You ask "does this actually solve the problem?"
You're looking for a place where your output directly shapes the product and the company, not a role where you're one of many engineers executing someone else's vision. This is that place.
Compensation &

Benefits
Competitive salary and equity
Company-paid, personal tax advisory services
Work remotely, no commuting to the office
Paid co-working space if preferred
Health, dental, and vision insurance (US)
4 weeks of paid Discretionary Time Off (DTO)
Generous holiday Schedule (US Bank Holidays plus week between Christmas and NYE)
Parental leave
Sick leave
401k
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