The Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud
- both in real time and after the transaction. We’re looking for a Senior Software Engineer to join our fully remote team based in Europe. You’ll collaborate closely with stakeholders across North America
- including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. The Fraud Engineering organization builds the foundational and tactical software that enables Affirm to respond strategically to fraud
- both in real time and after the transaction. The Fraud International Team (FIT) leads the engineering effort to extend Affirm's Fraud Decisioning System into markets beyond the US
- Canada, the UK, Australia, and growing rapidly. We own real-time fraud decisioning for these markets, integrate region-specific risk vendors, and are building the platform that lets Affirm stand up fraud protection in a new country quickly and safely. As Affirm expands globally, FIT scales with it. We're looking for a Senior Software Engineer to join our fully remote team based in Europe. You'll collaborate closely with stakeholders across North America
- including teams in Product, Compliance, Machine Learning, Fraud Operations, Fraud Strategy, and other Fraud Engineering teams. You will own and deliver quarterly goals for your team, leading engineers through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will design and implement real-time fraud decisioning services and APIs in Python or Kotlin,



extending Affirm's Fraud Decisioning System to markets beyond the US. You will build and evolve the platform and tooling that let Affirm launch fraud decisioning in a new country quickly—turning market-by-market setup (rules, models, and vendor configuration) into a repeatable, low-friction path so launches scale sub-linearly with the number of markets. You will integrate region-specific fraud and risk vendors and help operationalize the machine learning and AI signals that power real-time decisioning, while using modern AI tooling to move faster as an engineer. You will support peers and stakeholders across the product development lifecycle
- collaborating with Product, Machine Learning, Analytics, and Fraud Strategy, articulating technical constraints, and partnering on decisions that properly weigh risks and trade-offs. You will support the operations and availability of your team's systems by creating and monitoring metrics, escalating when needed, and contributing to keep-the-lights-on and on-call efforts. You will foster a culture of quality and ownership
- setting and improving code review and design standards, mentoring teammates, and leading by example. 5+ years of experience building backend systems at scale using Python or Kotlin.



~ Experience with distributed systems and infrastructure using AWS, MySQL/PostgreSQL, and Kubernetes. ~ Fluency with AI-driven engineering
- every Affirm engineer builds with tools like Claude Code and most PRs are co-authored with AI, so directing and orchestrating AI and excelling in the reviewer's seat (setting intent, critically evaluating generated code, and owning its correctness, quality, and security) is a core expectation. ~ Proficiency in SQL and working with data-rich environments. ~ Familiarity with CI/CD practices and safe production deployments. ~ Experience with Snowflake, dbt, Airflow, or Chronosphere (nice to have) ~ Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). We are able to offer visa sponsorship for this role, but do require that someone is based in Spain for the role. Location
- Remote Spain #LI-Remote Remote-first with flexibility built in Affirm is proud to be a remote-first company. Some positions may occasionally require in-person work at an Affirm office, and a few are office-based due to the nature of the work. Health coverage at no cost: Flexible time off and generous holiday calendars help you rest when you need to. Affirm considers qualified applicants with arrest and conviction records, as required by law. By clicking "Submit Application," you acknowledge that you have read Affirm's Integral Candidate Privacy Notice and consent to the use of your personal information as described.

📌 Senior Software Engineer, Back-end (España)
🏢 Affirm
📍 España