Full Stack Engineer, Operate

Alloy is where you belong! 

Alloy solves the identity risk problem for companies that offer financial products by enabling them to outpace fraud and confidently serve more people around the world. Banks and Fintechs turn to Alloy to take control of fraud, credit, and compliance risk, and grow with the clearest picture of their customers.  

Through our values: Be Bold, Get Scrappy, Collaborate, and Celebrate Our Differences, we are creating a workplace where you can grow, thrive, and belong. See how we’ve been continuously recognized and named one of Inc.Magazine’s Best Workplaces, Forbes America’s Best Startup Employers, Best Fintech to Work for by American Banker, year after year.  

Check out our investors and read more about us here.  

About the team and product

The Operate product engineering team focuses on improving our customers’ day-to-day operations. We build features to help our customers’ employees make human review decisions about how much of a risk their consumer and business accounts pose and then take action on those decisions.

For example, when a person applies for a new credit card from a bank that’s a customer of Alloy, Alloy runs the bank’s automated rules. If the rules determine it needs a human review, the bank’s employee looks at the results, other relevant info, and may also ask the person directly for more info. All that info goes into deciding what should ultimately happen with the person’s credit card application and overall account.

The Operate team works to improve these reviews for our customers’ employees, making sure they’re presented with relevant understandable data and context and that they’re able to take useful actions such as

• Freeze hijacked bank accounts until the rightful owners can regain control.
• Release funds for unusual transactions once deemed safe and correct.
• Protect from fraud ring attacks by triaging, escalating, and resolving alerts.
• Reporting financial suspicious activity to governments.

These capabilities and more that the Operate team supports are critical to Alloy—they directly affect the balance of protecting our customers from losses from fraud or compliance penalties while increasing how many legitimate consumers and businesses can buy and benefit from our customers’ financial products.

The team consists of 8 engineers as well as a PM, designer, and EM. Like all engineering teams at Alloy, we work all across the Alloy codebase and product and regularly collaborate with other engineering squads and with folks beyond engineering too. Our features cover the full stack, from PostgreSQL through NodeJS and Python API servers (with OpenSearch) up through React/Redux. We build software in two-week Agile sprints. Our deployment pipelines make use of GitHub, CircleCI, Docker, and AWS, among other tools.

We’re looking for someone who

• Joins us in person at our Manhattan office on Tuesdays and Thursdays.
• Has a full stack software engineering skillset, ideally in our core stack: React, NodeJS, PSQL (or relatable experience with similar technologies).
• Builds and ships well-crafted features and supports them.
• Relentlessly hunts down bugs till the cause is known and the solution is in place.
• Proactively communicates about their work, both the challenges and successes.
• Enjoys working on multi-engineer projects—we are a very collaborative team and culture.
• Can be autonomous for their own projects, including owning delivery dates and writing concrete technical plans from the product vision of UX designers and PMs.
• Internalizes the “why” behind features, understanding what the users want to be able to do.
• Has an action-oriented mindset of responsibility: leaving the codebase better than it was, working toward solutions even when a problem isn’t with your or your team’s code, actively helping with on-call incidents and contributing to blameless postmortems after.
• Takes initiative to improve their own skills as well as finding ways to improve their team or engineering guilds.
• 4 years of relevant experience recommended.

Additional beneficial experience

Please highlight any that apply when you apply or talk with us.

• Banking / the financial services industry
• Mid-size startups
• UI component libraries and design systems
• Elasticsearch / OpenSearch
• AWS (e.g. Redshift)

At Alloy, we strive to attract & retain talent by providing compensation that is competitive with other organizations of our size & stage. We are committed to ensuring each candidate has what they need to be successful in their role with a balanced range of compensation, equity, perks & benefits. We actively share our compensation philosophy with employees, with the goal of fostering open and honest dialogue. Finally, we work to administer our philosophy and drive consistency in order to promote equity and monitor the fairness of each outcome.

The following range is based on the scoped level within the organization and only for NYC: This position has a minimum base salary of $131,000 and a midpoint base salary of $154,000. The base pay may vary depending on job-related knowledge, skills, and experience. In addition to a competitive base salary, this position is also eligible for equity awards in the form of stock options (ISOs).

Benefits and Perks 

• Hybrid work environment: engineering employees are expected to work Tuesdays and Thursdays from our HQ in Union Square, Manhattan. Tasty lunches catered from a variety of local restaurants and frequent employee-organized cultural events contribute to our positive office energy. On Monday/Wednesday/Friday most employees Zoom into work from home while some take advantage of the quieter office.
• Unlimited PTO and flexible work policy
• Medical, dental, vision plans with HSA (monthly employer contribution) and FSA options
• 401k with 100% match up to 4% of annual employee compensation with immediate eligibility and vesting 
• Eligible new parents receive 16 weeks of paid parental leave
• Home office stipend for new employees
• Health & wellness monthly stipend
• $1,000 learning & development annual stipend
• Well-being benefits include access to OneMedical and Classpass

If this all sounds like a good fit for you, why not join us?

How to Apply

Apply right here. You've found the application!

Alloy is proud to be an equal opportunity workplace and employer. We’re committed to equal opportunity regardless of race, color, ancestry, religion, gender, gender identity, parental or pregnancy status, national origin, sexual orientation, age, citizenship, marital status, disability, or veteran status. We are committed to an inclusive interview experience and provide reasonable accommodations to applicants with visible and invisible disabilities. We encourage applicants to share needed accommodations with their recruiter.