Senior Software Engineer II - Fraud Risk (Java)

Location: Global

Team: General

About the Role

Join Wise's Fraud Risk team in Budapest as a Senior Software Engineer II, where you'll safeguard our global platform against financial crime while protecting legitimate customers. Leveraging cutting-edge machine learning, real-time transaction monitoring, and data analysis, you'll develop and enhance payment fraud detection systems. Collaborate daily with software engineers, data analysts, data scientists, and fraud investigators to build a scalable, real-time fraud prevention engine that exceeds regulatory expectations and drives real-world impact. You'll take end-to-end ownership of projects, prioritising customer pain points with a strong product mindset and data-driven decisions. Success means automating processes for scale, understanding customer challenges, and partnering across teams to create secure, user-focused solutions. With Wise's mission to move money without borders, your work will make international payments safer and easier for everyone, everywhere. Wise offers a diverse, inclusive environment with flexible working, RSUs, sabbaticals, and more. Help us create a new network for the world's money while advancing your career in a high-impact role.

Key Responsibilities

• Develop and enhance payment fraud detection systems using cutting-edge machine learning and real-time transaction monitoring
• Collaborate with software engineers, data analysts, data scientists, fraud investigators, and product teams to improve fraud prevention
• Build a globally scalable payment fraud prevention and detection real-time engine
• Utilise machine learning techniques to identify potential risks associated with customer activity
• Foster strong partnerships between fraud investigators and product teams to leverage fraud prevention expertise
• Raise automation levels to enable product scaling
• Ensure systems surpass regulator and auditor requirements
• Drive end-to-end ownership of projects to achieve team goals

Required Qualifications

• 6+ years of experience working with Java, Spring framework, asynchronous message queues and microservices architecture
• Experience with CI/CD pipelines and Distributed and Concurrent Systems
• Great communication skills (both verbal and written) and the ability to articulate complex, technical concepts to non-technical audience
• A strong product mindset and passion for user experience, prioritising work with the customers in mind and making data-driven decisions
• Being able to work autonomously on customer problems, taking responsibility and end-to-end ownership of your projects

Preferred Qualifications

• Hands-on experience with Kafka, Kafka Streams or Apache Flink
• Experience with OLAP databases or data-lakes with Kafka ingestion
• Experience with machine learning basics (data pipelines, feature engineering, recall/precision, familiarity with machine learning systems in production)
• Hands-on experience working with relational and non-relational databases, query optimisations, designing and evolving schemas

Required Skills

• Java
• Spring framework
• Asynchronous message queues
• Microservices architecture
• CI/CD pipelines
• Distributed and Concurrent Systems
• Kafka, Kafka Streams or Apache Flink
• Relational and non-relational databases
• Query optimisations
• Schema design and evolution

Benefits

• RSUs (stock options)
• Flexible working
• Me days and mission days
• Paid sabbatical after 4 years
• Health insurance
• Learning budget
• Company retreats
• Wise card

Wise is an equal opportunity employer committed to building a diverse workforce.