Careers at Oneapp

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role The @Work team is responsible for OnePay's employer benefit features, including Instapay, savings, and budgeting. As a Full Stack Engineer at OnePay, you will build simple and beautiful experiences for people's crucial daily interactions with their money, earnings, and pay schedules. What You’ll Do Lead technical design and implementation for projects powering our @work platform Set architectural standards and ensure best practices in code quality, performance, and scalability Partner closely with product, design, and operations to shape and deliver @Work product strategy Oversee optimization of systems for reliability, security, and scalability Own technical decision-making, balancing rapid delivery and sustainable solutions You Bring 7+ years of experience building and scaling distributed systems, high-throughput APIs, or data-intensive services Solid hands-on full-stack engineering skills, with proficiency in backend architecture and modern frontend frameworks Experience designing or working on reliable, secure, and high-performance systems -ideally in payments, EWA, or other regulated consumer finance domains Clear communication skills and a collaborative working style Initiative and growth mindset - eager to learn and contribute as a team player Tools We Use We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly. What We Offer Competitive base salary, stock options, and health benefits from Day 1 401(k) plan with company match Remote-friendly (US), flexible time off (FTO), and opportunities for growth A high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Our process varies by role. Most candidates go through: AI-assisted initial screen Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role Team Integration: As an intern, you’ll be an essential part of our engineering team, working alongside skilled professionals on cutting-edge projects. You’ll collaborate with cross-functional teams, including Platform, Product, and more, gaining exposure to the broader business. Real-World Projects: You’ll take on a variety of projects that align with your skills and interests, contributing to key engineering initiatives. By the end of the program, you’ll showcase your work through a final presentation to your team and peers. Skill Building & Career Growth: Throughout the internship, you’ll attend workshops focused on technical skills, resume building, interview prep, and professional development. You’ll also have the chance to engage with company leadership during networking events. Mentorship: Receive guidance and feedback from your manager, as well as a dedicated mentor who will help you navigate your internship experience, ensuring continuous learning and growth. You Bring Pursuing a Bachelor’s Degree: You’re a current undergraduate student expected to graduate in the Fall of 2027/Spring of 2028 majoring in Engineering or a related field. Prior Experience : You've completed at least one previous software engineering internship, or have built substantial personal or academic projects you're excited to talk through. Availability: This is a full-time, 8-week program running June 21 - August 13, 2027. You are available to work in our New York City office at least 3-4 days a week throughout. Proactive & Collaborative Attitude: You have an act-like-an-owner mentality, thrive in a fast-moving environment, and enjoy working with others to achieve collective goals. Critical Thinking & Problem-Solving Skills: You enjoy tackling complex challenges, analyzing problems, and developing solutions. Clear communication of ideas is one of your strengths. Organized & Detail-Oriented: You’re a keen listener with strong organizational skills, capable of managing multiple tasks efficiently. Excited to Learn & Grow: You are passionate about being part of a rapidly growing organization and look forward to expanding your skills in a real-world setting. What We Offer Early access to a high potential, high growth fintech Beautiful Tribeca Office Fully stocked kitchen with beverages and snacks Weekly professional development and team social outings Program & Application Timeline Program runs June 21 - August 13, 2027 (8 weeks, full-time, in our NYC office) We review applications and conduct interviews on a rolling basis as they come in No offer decisions will be made until the application window closes – all candidates are evaluated together before final decisions go out We are targeting a finalized cohort by December 1, 2026 If there are intern spots still available, we may reopen applications in Spring 2027 Work Authorization: OnePay will not sponsor applicants who need employment sponsored visas for this position. Future sponsorship will not be considered. Standard Interview Process Our process varies by role. Most candidates go through: AI-assisted initial screen Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role Reliability at OnePay is a shared engineering responsibility, and this role sits at the center of it as a hands-on technical leader. As our Site Reliability Engineering Manager, you will lead a small, senior SRE team and lead it from the front. You will still write code, build automation and tooling yourself, and stay in the rotation when it counts. You will set how your team works, raise the reliability bar for the services you support, and stay close enough to the systems to make sound technical calls and earn your team's trust by doing the work alongside them. You will report to our Head of Platform and Data Engineering and help keep OnePay dependable for the millions of Americans who trust us with their money. This is a builder's leadership role. You lead a team, but you are measured as much by what you and your team ship as by the operating model you put around it. This is a coding and building role, not a tooling-procurement or pure people-management seat. What You'll Do Lead a senior SRE team. Bring planning, clarity, and career growth to a small, strong team, and focus them on high-leverage reliability work over manual, ticket-driven response. Stay hands-on. Write production code, and build automation, tooling, and golden paths yourself. Contribute to your team's codebase, do design and code review, and set the technical bar by example. Define service ownership, alerting, dashboards, runbooks, and deploy and rollback safety, and run regular service-health reviews for the systems your team supports. Stay in the incident loop. Run incident command when needed, drive verified remediation, and prevent recurrence. Help build self-service incident tooling and runbook automation so reliability scales without heroics. Build sustainable on-call. Design durable coverage through staffing, handoffs, and automation rather than open-ended volunteer hours. Partner across engineering. Work with service teams and engineering leaders to raise reliability standards, holding clear boundaries between SRE enablement and service-team ownership. You Bring You still code today. Strong software engineering foundation, and you write production-quality code in a modern language such as Python or Go. You are comfortable being assessed on your coding. Real reliability depth for production systems and services at scale, ideally in a consumer, fintech, or other high-availability environment. You built your foundation at a high-bar, high-scale engineering organization with a strong engineering culture. Recent people leadership. You have managed a small engineering team within roughly the last few years and want to keep leading while staying technical. Genuinely hands-on with observability, alerting, safe deploys, automation, and incident command. You build these things, not just specify them. Calm, credible communication with your team, partner teams, and during live incidents. What We Offer Competitive base salary, stock options, and health benefits from Day 1 401(k) plan with company match Fully Remote (US), flexible time off (FTO), and opportunities for growth A high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Our process varies by role. Most candidates go through: AI-assisted initial screen Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role As a Platform Engineer (AI & Automation) at OnePay, you are the technical force responsible for transforming AI strategy into production reality. You will embed within cross-functional teams to design, build, and deploy the agentic systems and intelligent tooling that automate complex workflows and 10X their impact. What You’ll Do Operate as an AI-native engineer, utilizing tools like Cursor and Claude Code to rapidly prototype, deploy, and ship production-grade AI agents and automation workflows that solve high-stakes business problems in cross-functional organizations. Lead structured discovery sessions with business stakeholders and Subject Matter Experts to surface requirements, assess feasibility, and translate manual processes into clear, performant technical specifications and agentic architectures. Build, maintain, and secure robust integrations between the core SaaS stack and custom AI services, instrumenting monitoring, guardrails, and evaluation frameworks to ensure all AI-driven workflows are accurate, compliant (including PII handling and audit logging), and resilient at scale. Act as a technical force multiplier by empowering and educating internal partners to adopt AI-first mindsets, and create reusable playbooks, architecture decision records, and handoff documentation to enable teams to maintain and extend what you build. You Bring 5+ years of professional engineering experience shipping production code to write clean, maintainable, and well-tested code. Hands-on expertise with modern AI tooling , including LLM APIs, agent frameworks (LangGraph, Claude SDK), developer tools (Cursor/Claude Code), MCP server development , and familiarity with LLM evaluation techniques (prompt regression testing, human-in-the-loop review, and automated eval pipelines). Systems integration experience , including a working knowledge of REST APIs, data pipelines (SQL), and cloud infrastructure (GCP/AWS). A "Product Mindset" —proactively finding friction points, designing solutions, and presenting trade-offs to all audiences—along with the drive and proactivity to "walk across org lines" to get things done. Tools We Use We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly. What We Offer Competitive base salary, stock options, and health benefits from Day 1 401(k) plan with company match Remote-friendly (US), flexible time off (FTO), and opportunities for growth A high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Our process varies by role. Most candidates go through: AI-assisted initial screen Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role As a QE Platform Engineer at OnePay, your work will directly shape how confidently every engineering team ships to production — building the test automation infrastructure that catches problems before they reach customers of a financial platform millions of people trust. You will: Design and own shared test automation frameworks used by engineering teams across web, mobile, and backend services Build and maintain test execution infrastructure that runs automated suites reliably at scale, including flaky-test detection and triage tooling Partner with engineering teams to raise test coverage and testing maturity, embedding quality practices into the development workflow rather than bolting them on afterward Develop tooling for test environment provisioning, test data management, and parallelized test execution to keep feedback loops fast Instrument and monitor test infrastructure health (pass rates, run times, flakiness) and drive down friction points that slow teams down Contribute to internal documentation and best practices that help other engineers write and maintain effective automated tests You Bring 5+ years of professional experience in test automation, QE engineering, or backend/platform engineering with a strong testing focus Deep experience designing and building test automation frameworks and tooling (e.g., Playwright, Selenium, Appium, Cypress) that other engineers build on Proficiency in TypeScript/Node.js or similar languages, with experience architecting test frameworks rather than just writing test cases Experience with cloud-native infrastructure (Kubernetes, AWS) and containerized test environments Familiarity with testing across the stack — API/integration testing, end-to-end testing for web and mobile (e.g., React Native) Strong communication and collaboration skills, able to influence testing practices across multiple engineering teams Drive and proactivity - everyone here is a builder and executor Tools We Use We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly. What We Offer Competitive base salary, stock options, and health benefits from Day 1 401(k) plan with company match Remote-friendly (US), flexible time off (FTO), and opportunities for growth A high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Our process varies by role. Most candidates go through: AI-assisted initial screen Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role As a Software Engineer on the Risk team, your work will directly impact the systems that protect our customers and company. You will: Build resilient backend services that power fraud detection, identity verification, and transaction monitoring at scale. Develop, test, and maintain backend services and APIs that enable real-time risk and fraud prevention. Partner with product managers, and other engineers to design and deploy systems that protect customer accounts and transactions. Implement integrations with third-party risk and compliance platforms, ensuring seamless and secure data flows. Contribute to architectural decisions that balance scale, security, and reliability across sensitive financial systems. Build clear documentation to support collaboration, transparency, and operational excellence. You Bring 3+ years of professional experience in backend engineering, ideally within fintech, payments, or external customer facing systems. Proficiency in building and maintaining APIs, microservices, and distributed systems. Familiarity with cloud infrastructure (AWS, Kubernetes, or similar) and database technologies. Experience working with risk, fraud, or compliance systems is a plus. Drive and proactivity – everyone here is a builder and executor. Tools We Use We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly. What We Offer Competitive base salary, stock options, and health benefits from Day 1 401(k) plan with company match Remote-friendly (US), flexible time off (FTO), and opportunities for growth A high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Our process varies by role. Most candidates go through: AI-assisted initial screen Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The Role As an Applied Scientist at OnePay, you’ll be at the forefront of our AI and Machine Learning innovation! You will: Design and deploy machine learning, deep learning, and LLM models that will shape our customer experience, drive business growth, and improve operational efficiency while collaborating closely with product, engineering, and analytics teams. Develop personalization and recommendation systems that deliver dynamic, user-centric experiences across our product offerings. Design and optimize search and retrieval systems to improve discoverability, relevance, and user satisfaction. You Bring 7+ years of experience building and productionizing ML/AI models that deliver measurable business impact. Experience building and productionizing LLM-powered applications, agentic systems, and traditional ML (ranking, recommendations, personalization). A strong technical background with a degree in Computer Science, Data Science, Applied Mathematics, or a related field. Fluency in collaborating with Product, Engineering, and Analytics teams to bring AI solutions from ideation to deployment. Drive and proactivity – everyone here is a builder and executor. What We Offer Competitive base salary, stock options, and health benefits from Day 1 401(k) plan with company match Remote-friendly (US), flexible time off (FTO), and opportunities for growth A high-growth, mission-driven, inclusive culture where your work has real impact Standard Interview Process Initial Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Standard Interview Process Our process varies by role. Most candidates go through: AI-assisted initial screen Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.