Senior 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 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 which lead to three outcomes: auto-decline xor auto-approve xor human review. In a review, the bank’s employee looks at the automated rules’ results, relevant context (e.g. was there a surge this week in applications with very similar personally identifiable information or was this person’s long-dormant account suddenly receiving hundreds of small transactions), and may also ask the person directly for more info, all to decide 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 against 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 mid-level and senior 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.

What you’ll do

• Craft straightforward, typed, tested code that’s reliable, extensible, and scalable.
• Architect, build, launch, and support customer-facing fullstack features and systems.
• Lead small teams of engineers for larger projects and work individually on smaller ones.
• Coalesce Alloy’s product vision from PMs and UX designers into concrete technical plans then share and review those plans with other engineers.
• Provide technical mentorship and guidance to fellow engineers, fostering a culture of learning and growth within our expanding team and within our cross-engineering guilds such as the observability guild, architecture guild or security guild.
• Embrace an iterative customer-centric approach, flexibly iterating on features based on feedback from internal and external customers.
• Use modern software tools and advocate for new ones when appropriate. Our tech stack is primarily TypeScript/JavaScript: Node.js, React, Redux, PostgreSQL, Elasticsearch, Redshift and other AWS products, Storybook for our in-house UI component library, and rarely some legacy Python/Django.
• Be on-call for a week once every few months (after a reasonable ramp-up period).

In summary, you will play a pivotal role in driving our product development efforts forward, leveraging your technical expertise and leadership skills to deliver impactful improvements to our product while fostering a collaborative and high-performing team environment.

We’re looking for someone who

• Is undeniably skilled at coding, architecting software systems, and making the most of tools like GitHub, CircleCI, Jira, and Docker.
• Consistently delivers and supports impactful, reliable, scalable, extensible features.
• Leads multi-engineer projects effectively: scoping work and delegating it to other engineers, communicating about the project with leadership, and facilitating productive discussions within the team to resolve blocking issues.
• Is a collaborative colleague who galvanizes others to improve aspects of their work, be it the codebase, tooling, or team processes.
• 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.
• Reacts flexibly to the evolving needs of our organization, company, and customers.
• Has significant fullstack experience working with the core technologies of our stack: React, Node, and Postgres (or else relatable experience with similar technologies).

Nice to have experience with:

• Working at Fintechs or the financial services industry
• Elasticsearch / OpenSearch
• Redshift
• AWS

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.

This position has a minimum base salary of $153,000 and a midpoint base salary of $180,000. 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 

• 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 Headspace

We're a lean team, so your impact will be felt immediately. 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.