Remote · Full Time · Individual Contributor · +8 Years of ExperienceStaff Engineer, Money, Risk & Payment AncillariesWho We AreYuno is the AI-native operating system of global commerce, powering the financial infrastructure of enterprise merchants, banks, and wallets. Through a single API, Yuno connects them to pay-ins, payouts, fraud prevention, KYC/KYB, and stablecoins globally, so they can operate everywhere. Agnostic by design and connected to 1,000+ payment methods and 460+ integrations in 190+ countries, Yuno optimizes acceptance rates, reduces costs, and strengthens security through specialized AI agents that learn from every transaction. Global brands including McDonald's, NetEase Games, GoFundMe, and Rappi run their payments on Yuno.About The RoleYuno is looking for a Staff Engineer to be the senior technical leader for Money, Risk & Payment Ancillaries — the business unit that protects money and manages risk across every transaction on the platform. Spanning risk, fraud, scams, money operations, reconciliations, and chargebacks, this is the domain where financial correctness, real-time decisioning, and trust are non-negotiable. You'll architect the foundational systems behind these capabilities and raise the technical bar for the teams that build them.This is a hands‑on leadership role in a zero‑tolerance‑for‑failure environment — every cent must be accounted for, and every risk decision must be fast, accurate, and auditable. You'll design and build bank‑grade, resilient systems, champion a "You Build It, You Run It" culture, and turn the hardest problems in money movement and risk into elegant, maintainable architecture.What This Unit OwnsRisk & Risk Operations — real‑time risk decisioning and the operational tooling that powers itFraud — detecting and preventing fraudulent transactions across the networkScams — protecting users from authorized push payment (APP) scams and social‑engineering attacksMoney Operations — the movement and settlement of funds across the platformReconciliations — matching transactions, settlements, and ledgers to guarantee financial accuracyChargebacks — managing disputes, representment, and the full chargeback lifecycleHow AI Shows Up in This RoleThe systems you build power Yuno's AI‑driven risk, fraud, and scam engines — the models and pipelines that evaluate every transaction, plus the agents that automate reconciliation and dispute workflows at scaleAI is our default execution layer: you're expected to use AI‑assisted tooling fluently across design, implementation, testing, and review,



and to shape how the unit adopts itYour Contribution Will BeCross‑domain architecture and technical leadership — own the architecture across risk, fraud, scams, money operations, reconciliations, and chargebacks; set the technical direction with versioned APIs and event‑driven design, and raise the bar for the teamsReal‑time risk and fraud systems — architect the low‑latency systems that score transactions for risk and fraud and act on them before or at authorizationMoney movement and financial correctness — build money operations and reconciliation systems with idempotency, exactly‑once semantics, and auditable ledgers, so every cent is accounted forScams and disputes — design the platforms behind scam prevention and the chargeback and dispute lifecycle, aligned with card‑network rules and regulatory requirementsBank‑grade, resilient systems — design highly available, compliant capabilities engineered for a zero‑tolerance‑for‑failure environment, where feature velocity never compromises reliabilityYou Build It, You Run It — champion a YBIYRI culture: your teams design for multi‑tenancy, elastic scaling, and automated observability, and own their microservices in productionMentorship and cross‑functional collaboration — mentor engineers and partner with Product, Data/ML, Compliance, and Staff Engineers across domains to deliver complex, cross‑team workWhat Success Looks LikeWithin your first 6–12 months, you've led the architecture of at least one core capability across the unit (risk decisioning, fraud or scam prevention, money operations, reconciliation, or chargebacks), your teams own their services in production under a YBIYRI model, and you're the technical voice Yuno trusts on financial correctness and real‑time risk.Skills You NeedMinimum QualificationsExtensive software engineering experience, with deep expertise in Go and/or Kotlin (our core backend stack) and strength across the full stackA proven track record architecting robust, scalable, and maintainable distributed systems — event‑driven, high‑throughput, low‑latency — with a strong grasp of design patterns and best practicesExperience building financial or risk‑critical systems where correctness, consistency,



and auditability matter (ledgers, reconciliation, real‑time decisioning, or fraud/risk engines)Strong experience with AWS and cloud‑native services (RDS, ECS, EKS, S3, and similar)Excellent automated testing practices — unit, integration, and end‑to‑end — within Agile, DevSecOps, and CI/CD workflowsProven technical leadership — mentoring engineers, driving technical vision, and delivering complex, cross‑team projects, with a feel for DORA metrics and unblocking teamsA preference for clean, modular architecture over monolithic shortcuts, and the judgment to balance reliability and compliance against feature velocityEnglish — advanced proficiency, written and spokenPreferred QualificationsDomain expertise — fraud/risk scoring models and ML feature pipelines, double‑entry ledgers and reconciliation, chargeback and dispute frameworks with card‑network rules, or APP‑scam preventionData‑intensive and streaming systems — Kafka, exactly‑once processing, or event sourcingExperience in the payments or fintech industry, operating at global scalePerformance optimization and efficient algorithms for high‑throughput, low‑latency systemsStatic analysis and code‑quality tooling (e.G., SonarQube) and mature CI/CD pipelinesNice to HaveA track record of introducing new engineering practices or standards across multiple teamsOpen‑source contributions or technical writing that raised the bar for othersSpanish proficiencyTech StackLanguages — Go and Kotlin (core), JavaAPIs — gRPC, RESTFrameworks — Spring Boot, Spring WebFlux; Go standard libraryMessaging — Apache Kafka, SQSDatabases — PostgreSQL, RedisInfrastructure — AWS, Kubernetes, Docker, TerraformObservability — Datadog, OpenTelemetryCI/CD — GitHub Actions, ArgoCDVersion Control — Git / GitHubWhat We Offer at YunoCompetitive CompensationRemote Work — you can work from everywhereHome Office Bonus — a one‑time allowance to set up your adecuado home officeWork EquipmentStock OptionsHealth Plan wherever you areFlexible Days OffLanguage, Professional, and Personal Growth coursesWe may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment.Final hiring decisions are ultimately made by humans.If you would like more information about how your data is processed or wish to exercise your data protection rights, please contact us at [email protected].#J-18808-Ljbffr

📌 Staff Engineer - Money, Risk & Payment Ancillaries (Valencia)
🏢 Yuno
📍 Valencia