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# Senior Software Engineer, Backend (Consumer - Risk)

- **Company:** TALENTHOP LLC
- **Location:** United States (Remote available)
- **Experience:** Expert
- **Salary:** $186,065
- **Contract:** Permanent contract
- **Skills:** Java (Programming Language), Artificial Intelligence, Code Review, Distributed Systems, Python (Programming Language), Machine Learning, Ruby, Software Engineering, Technical Debt, Backend, Event Driven Architecture, Golang, Microservices
- **Published:** November 10, 2026
- **Apply:** https://arc.dev/remote-jobs/j/redirect/py9sqbjkmq

## About the Role

* Minimum 5 years of backend software engineering experience with a history of delivering complex systems.
 * Proficiency in backend languages such as Go, Ruby, Python, or Java.
 * Experience designing distributed systems including microservices and event-driven architectures.
 * Ability to translate ambiguous requirements into clear technical plans.
 * Proven leadership in end-to-end project delivery and mentoring.
 * Experience in incident response, post-mortems, and operational improvements for high-availability systems.
 * Responsible use of generative AI with human oversight to improve workflows.

## Description

The SENIOR SOFTWARE ENGINEER, BACKEND (CONSUMER - RISK) role is focused on building and optimizing backend systems that detect and prevent fraud and financial risks. This position leads the design, architecture, and delivery of complex risk-related features that directly reduce financial loss and enhance user safety. The role requires driving technical decisions, collaborating across multiple teams, and ensuring operational excellence in high-availability systems., * Lead design and delivery of complex risk platform features end-to-end.

 * Drive architectural decisions for risk detection and mitigation systems.
 * Collaborate with Data Science, ML, Risk Analysts, Product, and Compliance teams.
 * Build AI-native risk systems to automate detection and response workflows.
 * Mentor engineers, conduct code reviews, and promote engineering best practices.
 * Manage system quality through addressing technical debt, bug triaging, and incident response.