Senior Fullstack Engineer - Customer Risk Assessment

At Wise, we’re on a mission to make financial services faster, simpler, and more accessible for everyone. But to achieve our mission, we also need to safeguard our platform against financial crime and ensure our customers' money is safe.

For our customers, using Wise is as simple as sending money from A to B. Yet behind our app and website is a complex engine that must navigate strict regulatory requirements worldwide. The Customer Risk Assessment team is at the absolute core of this effort. We are building the centralized platform that gives Wise deep visibility into any customer and their associated financial crime (fincrime) risk. By tying together all fincrime topologies into a unified view, we empower teams to make fast, accurate decisions.

Your mission will be to help build out this centralized platform, tying complex risk signals together while also owning the common components of risk mitigation. You will directly impact how Wise scales its compliance operations, enabling us to move with speed and confidence without ever compromising on the safety of our customers.

How we work:

We’re a cross-functional team of backend and frontend engineers working hand-in-hand with Product Managers, Analysts, and Designers. Collaboration is at the heart of what we do. We value ownership, open feedback, and a commitment to building stable, scalable systems while embracing fast-paced learning and iteration.

We operate with a belief in automation, programmatic implementation, and reusable design. We’re looking for engineers who can step back and think holistically about the entire fincrime ecosystem, but also follow through and help implement the design. You won't just be handed a list of Jira tickets; you will be expected to understand the underlying problems, challenge the proposed solutions, and propose simple, effective solutions that protect our customers' money.

What will you be working on?:

You’ll be having a real-world impact by building the systems that enable Wise to evaluate customer risk globally. Specifically, you will:

• Build the full stack: Design, develop, and deploy resilient backend microservices in Java (Spring Boot) and build intuitive, accessible frontends using React and TypeScript.
• Create a 360-degree risk view: Build the centralized tools that aggregate data across multiple fincrime topologies, giving our teams full visibility into customer risk profiles.
• Drive risk mitigation: Own and develop the common components of our risk mitigation handling, ensuring our Servicing Agents have scalable, standardized workflows.
• Scale operations: Break down complex bottlenecks in our servicing and compliance processes, delivering adaptable platform solutions that other Wise product teams can evolve to fit their specific needs.
• Take ownership: Take full ownership of the product journey—from identifying a problem and empathizing with stakeholders, to creating an execution plan and shipping it to production.

What do you need?:

• Solid Backend Experience: You have a strong engineering background ideally in Java (familiarity with the Spring Boot stack) with years of experience putting scalable microservices into production and maintaining them in a cloud-based environment.
• Frontend Skills: You have experience building performant, responsive web applications using React and TypeScript/JavaScript.
• High Coding Standards: You are well-versed in writing clean, scalable, and testable code. You understand test coverage best practices, the test pyramid concept, and the value of code reviews.
• Systems Architecture Knowledge: You have experience designing and implementing distributed, concurrent systems and understand the tradeoffs between stateful/stateless and synchronous/asynchronous architectures.
• Product Mindset: You have the ability to break down complex projects into incremental milestones that deliver immediate customer value. The customer is at the heart of everything you do, and this empathy drives your decisions.
• Great Communication: You thrive in a collaborative environment and can articulate complex, technical concepts to a non-technical audience or distributed cross-functional peers.

Interested? Find out more:

• How we work – a practical guide
• DEI @ Wise
• Wise Tech Stack (2025 update)
• See what it's like to work at Wise London!
• Our Engineering career map
• Wise Engineering – https://medium.com/wise-engineering

What do we offer: 

• Starting salary: €5750 - €7083.33 gross / monthly + RSUs.
• Wise Benefits

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For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.