Risk Management Engineer at Waymo | San Francisco, CA

At Mercury, every new business that applies is like a shining star in the vast night sky. Each application, unique in its own right, contributes to a larger constellation of data trails from partners, filings, founders, and financial histories. Our Risk product engineering teams play a vital role in guiding thousands of business applications through our systems. The challenge lies in maintaining speed without sacrificing safety. Each day, our work empowers founders to open their first account, launch innovative ideas, and propel their growth forward like rocketships. Our mission is to create intelligent, automated systems and operational tools that enable this process—where machine learning, AI, and human insight work in harmony to shape the future of business banking. We leverage intelligence to identify risks early, make confident real-time decisions, and provide instantaneous, satisfying account approvals that match the pace of the builders we support. When executed flawlessly, our onboarding process feels seamless and effortless, powered by a universe of data, precision, and care. We are seeking a Senior Engineering Manager to lead the teams responsible for developing the systems and tools that facilitate this journey—from application approvals to enhanced due diligence—ensuring that every business that partners with Mercury is safe while enjoying a delightful experience.

Earnest is dedicated to empowering ambitious individuals to make informed financial decisions and create the lives they aspire to lead.Our team, known as Earnies, is passionate about providing borrowers with smarter borrowing solutions that offer a clearer path toward financial empowerment. If you share our enthusiasm for this mission, we invite you to explore the details below and join us in building something exceptional.The Senior Model Risk Manager will report directly to the Head of Credit Risk.In this role, you will:Take ownership of and enhance Earnest’s Model Risk Management framework, ensuring that our credit, loss forecasting, fraud, marketing, and finance models are robust, transparent, and scalable.Conduct independent end-to-end model validations, from conceptual soundness and data quality to performance monitoring and implementation review, providing constructive feedback to modeling teams.Collaborate closely with Data Science and Risk leaders early in the model design process to refine assumptions, enhance methodologies, and uplift modeling standards throughout the organization.Supervise model performance monitoring and proactively identify emerging risks, performance drift, or control deficiencies, ensuring timely and effective remediation.Produce clear, decision-ready validation reports and effectively communicate technical findings to drive impactful business outcomes and sound risk management decisions.Act as a trusted advisor on model governance, enabling Earnest to operate swiftly while maintaining the necessary discipline and controls of a leading lending platform.

About the TeamThe IT Risk team within Financial Risk Management (FRM) plays a pivotal role in overseeing technology risks across OpenAI’s engineering and infrastructure systems. These systems are essential for managing usage, monetization, and critical operations, encompassing everything from data generation and processing to pricing and billing logic. The team collaborates closely with Engineering, Product, and Finance, ensuring data integrity and control mechanisms are robustly defined, promoting reliable system performance under both normal and adverse conditions.About the RoleIn the capacity of Senior Manager, you will spearhead technology risk management across engineering-led systems. Your focus will be on ensuring the production, flow, and control of system-generated data is optimized for accuracy, completeness, and reliability. You will engage directly with Engineering and Product teams to influence system architecture, establish clear data ownership, and foster system dependability, eliminating the need for manual adjustments or post-issue fixes. We are eager to find individuals who thrive at the intersection of engineering and risk management, possess insights into systemic failures, and can translate these insights into effective control frameworks and operational expectations.This position is based in San Francisco, CA, following a hybrid work model of three days in-office each week, with relocation assistance available.Key Responsibilities:Define control expectations for systems that generate usage, monetization, and critical outputs.Identify potential failure points within engineering and infrastructure systems, ensuring appropriate controls are in place.Critique system designs that may introduce significant risks to data accuracy or system functionality.Establish clear accountability for data integrity across various systems and teams.Ensure systems yield complete and accurate outputs without the need for manual reconciliation.Lead efforts to address systemic risks comprehensively, beyond mere documentation.Ideal Candidate Profile:Extensive experience with engineering-driven systems, including infrastructure platforms and usage-based or monetization systems.Strong understanding of the intersection between engineering practices and risk management.Proven track record of influencing system design for improved risk mitigation.

Flex is hiring a Senior Fullstack Software Engineer to join the Risk Engineering team. This position can be based in New York, San Francisco, or remote within the U.S. Role overview This role centers on designing, building, and maintaining applications that support Flex’s risk management efforts. The Senior Fullstack Software Engineer will collaborate closely with teammates to deliver solutions that improve how risk is assessed and managed across the company. What you will do Develop and maintain both frontend and backend components for risk-related applications Work with team members to design features and solve technical challenges Contribute to projects from initial planning through deployment Requirements Experience in both frontend and backend software development Ability to drive projects through the full development lifecycle Interest in building solutions that support risk management

About AirwallexAirwallex stands as the premier unified payments and financial platform tailored for global enterprises. Through our innovative blend of proprietary infrastructure and cutting-edge software, we empower over 200,000 businesses worldwide—including notable names like Brex, Rippling, Navan, Qantas, and SHEIN—with comprehensive solutions for managing business accounts, payments, spend management, treasury, and embedded finance on a global scale.Founded in Melbourne, our dynamic team comprises over 2,000 of the industry's brightest minds across 26 offices worldwide. With a valuation of US$8 billion, and support from leading investors such as T. Rowe Price, Visa, Mastercard, and Sequoia, Airwallex is at the forefront of developing the global payments and financial infrastructure of the future. If you are ready to undertake the most ambitious work of your career, we invite you to join our mission.Attributes We ValueWe seek successful builders with a founder-like spirit who aspire to create genuine impact, experience accelerated learning, and take true ownership of their work. You will bring strong expertise, analytical thinking, and a deep-rooted motivation aligned with our mission and operating principles. You act swiftly with sound judgment, explore with curiosity, and make decisions based on foundational principles, effectively balancing speed and thoroughness.You are humble and collaborative, transforming innovative ideas into tangible products and driving projects from inception to completion. Leveraging AI to optimize your work process and solve challenges efficiently is second nature to you. Here, you will tackle complex, high-visibility issues alongside exceptional colleagues while advancing your career as we shape the future of global banking. If this resonates with you, let’s create what’s next together.About the TeamThe Legal, Risk & Compliance (LRC) team at Airwallex is a synergistic group of legal professionals and risk management specialists dedicated to protecting the integrity of Airwallex’s operations. We foster a culture of compliance and integrity, ensuring we navigate the global financial landscape responsibly. Our team provides expert guidance and proactive support across all business areas, identifying, mitigating, and managing legal and financial risks to facilitate sustainable growth.What You'll DoAs the Senior Manager, Fraud Risk, you will act as a subject matter expert in fraud risk management within the Second Line of Defense risk team, reporting directly to the Director of Fraud Risk. Your role will encompass...

Role Overview: Engineering Manager, Risk Airwallex builds a unified platform for global payments and financial solutions, serving over 200,000 businesses worldwide. Clients include Brex, Rippling, and Qantas. With a valuation of US$8 billion and backing from investors such as T. Rowe Price and Sequoia, Airwallex has grown from its Melbourne roots to a team of more than 2,000 across 26 offices. This position is based in Singapore. Relocation from San Francisco or elsewhere in the US is required. What Sets Airwallex Apart Global reach and scale in financial technology Strong focus on innovation, including AI-driven solutions Collaborative and humble culture that values real impact What We Look For Entrepreneurial mindset with a drive to build and improve Comfort making decisions quickly, balanced with thoughtful analysis Curiosity and willingness to tackle complex, high-stakes challenges Ability to collaborate across teams and communicate clearly About the Risk Platform Team The Risk Platform team protects Airwallex’s suite of products, including GTPN and Onboarding. As threats grow more sophisticated, the team uses advanced technology such as machine learning and graph analytics to strengthen risk strategies. Close collaboration with other teams and customers helps maintain a trusted, secure platform for global businesses. Location Requirement This role is based in Singapore. Candidates must be willing to relocate.

At Mercury, every new customer who applies for a bank account represents a new star igniting in a vast universe of possibilities. Initially, it may seem like a mere spark, but a closer examination reveals an intricate constellation of identity verification, ownership checks, sanctions screening, and fraud signals—all interconnected by invisible forces. The Risk Engineering team acts as the guiding navigation system for this expansive universe. Our mission is to safely guide thousands of ambitious individuals through Mercury’s orbit each day—each with a unique trajectory, risk profile, and narrative. We operate at escape velocity: moving swiftly, making confident decisions, and safeguarding the system without hindering the builders who depend on us. When we excel, founders can open bank accounts in delightful minutes rather than days, without needing to worry about the underlying complexities. We are on the brink of a new era. We are developing intelligent AI systems that do not merely assess risk but can reason about it—systems capable of investigating, deciding, escalating, and learning. These agents will enhance our KYC Refresh, EDD, ODD, and compliance workflows, propelling our operations to unprecedented levels of efficiency and scale. Our goal: to reduce manual labor, detect risks earlier, make sharper decisions, and create experiences that are almost magical in their simplicity. Now, we invite you to join us. We are seeking a Senior Software Engineer who is inspired by the prospect of bringing intelligent automation to life within real production systems. We need someone eager to design and implement AI-driven workflows that can think in steps, adapt to new information, and orchestrate complex decisions across people, models, and services. If you view compliance not as red tape but as a fascinating systems challenge at planetary scale, we want you. If you are excited about building impactful AI that safeguards millions of dollars, opens doors for founders globally, and helps shape the future of banking, we would love to explore this journey together. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

About AirwallexAirwallex is a pioneering unified payments and financial platform designed for global enterprises. Leveraging our proprietary infrastructure and advanced software, we empower over 200,000 businesses worldwide—including notable names like Brex, Rippling, Navan, Qantas, and SHEIN—with fully integrated solutions for managing business accounts, payments, spend management, treasury, and embedded finance on a global scale.Founded in Melbourne, we pride ourselves on our diverse team of over 2,000 innovative tech professionals across 26 global offices. Valued at $8 billion and backed by top-tier investors such as T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is at the forefront of developing the future of global payments and financial services. If you're eager to take on the most ambitious project of your career, we invite you to join us.Attributes We ValueWe seek builders with entrepreneurial spirit who are driven by impactful work, rapid learning, and true ownership. You should possess strong, relevant expertise, sharp analytical skills, and a passion for our mission and operating principles. You act decisively, think critically, and make informed choices based on first principles, striking a balance between speed and thoroughness.Humility and collaboration are key; you transform innovative concepts into tangible products and ensure the completion of tasks from start to finish. You leverage AI to enhance efficiency and expedite problem-solving. Here, you will engage with intricate, high-stakes challenges alongside exceptional colleagues while advancing your career as we shape the future of global banking. If this resonates with you, let's innovate together.About the TeamThe Risk Platform team at Airwallex is essential for managing risks across all Airwallex products, including GTPN, PA, Issuing, Onboarding, and Account takeover. With a perpetually evolving risk environment, we remain at the cutting edge of risk management innovation.Our mission is to ensure the security and trustworthiness of Airwallex's products and services, making us a reliable partner for businesses globally. We utilize advanced technologies, including graph analytics, machine learning, and large language models, to refine and implement our risk management strategies.Collaboration with other teams and our global clientele is crucial for a comprehensive risk management approach.This role is based in Singapore.

Join our innovative team at Cardless as a Credit Risk Strategy Manager/Senior Manager, where you will play a crucial role in shaping our credit risk strategies. In this position, you will be responsible for analyzing data, developing risk models, and implementing strategies that ensure sustainable growth while maintaining a robust risk framework.

Join SoFi as a Senior Product Manager in Transactional Risk, where you will play a pivotal role in steering our risk management strategies. You will work closely with cross-functional teams to enhance our product offerings, ensuring they meet the highest standards of safety and compliance. Your expertise will guide innovative solutions that protect our customers and our organization.

About the TeamThe Internal Controls function is a vital part of the Finance Risk Management (FRM) team, dedicated to enhancing the integrity, scalability, and reliability of OpenAI’s essential financial operations.Our team meticulously designs and governs the Internal Controls over Financial Reporting (ICFR) framework, which ensures accurate and transparent financial outcomes. We concentrate on business-process controls in various domains, including Order-to-Cash, Compute, Data, Global Financial Close, Accounting Operations, Real Estate, and AI infrastructure-related expenditures. Collaborating closely with departments such as Product, GTM, Corporate Finance, Legal, BizOps, Strategic Finance, Accounting, Finance Platforms, and Compliance, we ensure that processes are thoughtfully constructed, thoroughly documented, and ready for audits.As part of the broader FRM function, we oversee OpenAI’s financial risk posture, encompassing governance over internal controls, third-party risk, audit preparedness, and financial systems management. Together, we establish a foundation of trust that empowers OpenAI to thrive on a global scale.About the RoleWe are looking for an experienced, strategic leader to take ownership of and scale the readiness frameworks and governance that support OpenAI’s ICFR/SOX compliance program and broader Financial Risk Management initiatives. Your role will involve translating ambiguity into clear standards, repeatable practices, and decision frameworks that enable cross-functional teams to operate consistently and with integrity in dynamic, product-driven environments.This role requires strong cross-functional collaboration, intersecting finance, systems, product, and operations, and encompasses subscription and recurring revenue models, global commerce, and complex advertising monetization strategies. You will serve as a crucial partner in aligning stakeholders, driving remediation efforts, and distilling multi-team initiatives into concise leadership insights and risk-based decisions. Success in this role demands sound judgment, effective communication, and the ability to influence outcomes.This position is based in San Francisco, CA or New York, NY, utilizing a hybrid work model of three days in the office each week, along with relocation assistance offered to new hires.In this role, you will:Lead financial readiness assessments for new product launches, ensuring that all subscription, commerce, and advertising monetization processes are equipped with built-in controls and automated reconciliation.Define and operationalize SOX/ICFR readiness frameworks, including standards, playbooks, templates, governance forums, and review cadences that can scale with business growth.

Join Our Team at AirwallexAt Airwallex, we are redefining the landscape of global finance with our all-in-one payments and financial platform designed for businesses around the globe. Our unique blend of proprietary technology and innovative software has empowered over 200,000 companies, including industry leaders like Brex and Qantas, to seamlessly manage their financial needs — from business accounts and payments to treasury and embedded finance solutions.Founded in Melbourne and now boasting a diverse team of over 2,000 talented professionals across 26 global offices, we are backed by prominent investors such as T. Rowe Price and Visa, achieving a valuation of $8 billion. Join us to make an impactful contribution as we lead the future of global payments.Our ValuesWe seek dynamic individuals with a builder's mindset who are eager to create meaningful impact, learn rapidly, and take ownership of their work. If you possess strong expertise, a curious intellect, and a commitment to our mission and operating principles, we want you on our team. You should thrive in a fast-paced environment, approach challenges with a problem-solving mindset, and embrace collaboration to turn innovative ideas into reality.The Operations TeamThe Operations team at Airwallex plays a crucial role in ensuring our services run smoothly and efficiently. Our focus is on optimizing workflows, enhancing operational effectiveness, and providing top-notch customer support. By implementing best practices, we contribute to the company's growth and uphold our commitment to delivering exceptional service to our clients worldwide.Your RoleAs a Senior Risk Investigator, you will be instrumental in detecting, analyzing, and mitigating risk across our product areas. You will conduct comprehensive investigations into complex risk patterns and handle escalated cases from the risk department. Your contributions will be vital in safeguarding our operations and ensuring compliance across our global platform.

As the Enterprise Risk Management Lead at Gusto, you will play a pivotal role in shaping our risk management strategy. You will be responsible for identifying, assessing, and mitigating risks across our organization, ensuring that we maintain a secure and compliant operational environment. Collaborating with cross-functional teams, you will develop and implement risk management frameworks that align with our business goals and regulatory requirements.

Waymo is at the forefront of autonomous driving technology, committed to becoming the world's most reliable driver. Originating from the Google Self-Driving Car Project in 2009, our focus has been on creating the Waymo Driver—The World’s Most Experienced Driver™—to enhance mobility access and save countless lives lost in traffic accidents. The Waymo Driver powers our fully autonomous ride-hail service and is adaptable across various vehicle platforms and applications. With over ten million rider-only trips completed, our driver has autonomously traversed more than 100 million miles on public roads and tens of billions in simulation across over 15 U.S. states.In the role of Insurance Risk Manager at Waymo, you will be at the cutting edge of identifying and managing emerging risks associated with our revolutionary autonomous driving technology. Collaborating closely with our legal, public policy, safety, security, and privacy experts, you will evaluate insurance trends and assess product liability, automotive, cyber, and related risks. Your insights will help us establish robust risk and insurance frameworks that safeguard our users globally. You will work alongside our business development, product partnership, strategy, and operations teams to ensure our company’s interests are shielded from existing and forthcoming risks. Additionally, you will support our legal and policy teams in aligning our exposure with our risk appetite through contract reviews and the assessment of emerging laws and regulations at both state and federal levels. By maintaining strong relationships with insurance and AV industry partners, you will actively anticipate, quantify, and mitigate emerging risks.This is a hybrid position reporting to the Head of Insurance Infrastructure.

Founded in 2007, Airbnb began with two hosts welcoming three guests into their San Francisco home and has since evolved into a thriving community of over 5 million hosts who have welcomed more than 2 billion guests across nearly every country worldwide. Our platform enables hosts to provide unique stays and experiences that foster authentic connections within communities.The Community You Will Join: As part of the Payment Risk Operations team, you will play a crucial role in safeguarding trust within our global marketplace. Our mission is simple yet impactful: to protect our community while preserving the magic of travel. We are dedicated to enhancing user satisfaction by developing thoughtful policies, intelligent rules, and innovative systems that improve the quality of every interaction on our platform.Your Contributions Will Include: As a Senior Risk Functional Specialist, you will oversee operational procedures and escalations related to stored value payment products (such as gift cards) and analyze performance metrics based on business and vendor feedback. Collaborating closely with operational stakeholders and cross-functional partners, you will drive changes to enhance our products and processes. Your decision-making skills will be instrumental in resolving a variety of complex challenges, and you will embody Airbnb's core values in all aspects of your work.Your impact will encompass:Transaction security across all Airbnb products and servicesRisk policy support to foster trust in our platformUser verification and onboarding experiences that harmonize security with seamless user journeysFraud detection systems that adapt to emerging threatsOperational excellence that enhances our customer interactions and experiences

As a Senior Vendor Risk Analyst at dstaff, you will play a pivotal role in ensuring the integrity and security of our vendor relationships. You will be responsible for assessing vendor risks, implementing risk management strategies, and collaborating with cross-functional teams to develop robust vendor compliance programs. Your analytical skills will help in identifying potential risks and providing actionable insights to mitigate those risks effectively.

Join Airwallex as a Senior Analyst, Merchant Risk OperationsAt Airwallex, we pride ourselves on being the premier unified payments and financial platform tailored for global enterprises. Our innovative proprietary infrastructure and advanced software solutions have empowered over 200,000 businesses worldwide, including renowned brands like Brex, Rippling, Navan, Qantas, and SHEIN. Our services encompass everything from business accounts and payments to spend management and treasury solutions, extending to embedded finance on a global scale.Founded in Melbourne, our diverse team of over 2,000 talented professionals operates across 26 offices globally. With a valuation of $8 billion, we are backed by esteemed investors such as T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital. We are at the forefront of transforming the global payments landscape. If you are eager to undertake the most ambitious work of your career, we welcome you to join us.Attributes We ValueWe seek proactive builders who embody a founder’s spirit and are driven to make a significant impact, accelerate their learning, and take genuine ownership. If you possess strong expertise in your role and a sharp analytical mindset, coupled with a passion for our mission and operating principles, you will thrive here. You are quick-thinking, curious, and adept at making informed decisions with a balance of speed and thoroughness.Your humility and collaborative nature enable you to translate innovative ideas into tangible products, ensuring you deliver results from start to finish. Utilizing AI to enhance efficiency and problem-solving capabilities, you will confront complex, high-impact challenges alongside exceptional teammates while advancing your career as we shape the future of global banking. If this resonates with you, let’s create what’s next together.Team OverviewThe Operations team at Airwallex is dedicated to ensuring the seamless execution of our services and processes. Our focus is on optimizing workflows, enhancing operational efficiency, and providing outstanding customer support. By streamlining operations and adopting best practices, we contribute to the company's growth while upholding high service standards. Our commitment lies in delivering a seamless experience for our customers and supporting Airwallex’s mission to empower businesses on a global scale.Your RoleWe are in search of a dynamic Senior Analyst to join our Merchant Risk Operations team. This role transcends a typical reviewer position; we desire a builder-operator. You will manage the daily execution of complex merchant risk operations, ensuring our processes run smoothly while contributing to strategic initiatives.

About AirwallexAirwallex stands as the premier unified payments and financial platform designed for global enterprises. Our unique blend of proprietary infrastructure and cutting-edge software empowers over 200,000 businesses globally—such as Brex, Rippling, Navan, Qantas, and SHEIN—with comprehensive solutions for managing everything from business accounts and payments to spend management and treasury services, all while embracing embedded finance on a worldwide scale.Founded in the vibrant city of Melbourne, our dynamic team comprises over 2,000 of the brightest minds in technology, spread across 26 offices worldwide. With a valuation of US$8 billion and support from esteemed investors like T. Rowe Price, Visa, Mastercard, and Sequoia, Airwallex is at the forefront of revolutionizing the global payments and financial landscape. If you are ready to embark on the most ambitious journey of your career, we invite you to join us.Attributes We ValueWe seek builders with entrepreneurial spirit who are eager to make a significant impact, experience rapid learning, and take true ownership. You should possess robust expertise in your field, demonstrate keen analytical skills, and be driven by our mission and operating principles. You act swiftly with sound judgment, explore deeply with curiosity, and base your decisions on first principles, maintaining a balance between speed and thoroughness.You embody humility and collaboration; transforming innovative concepts into tangible products while ensuring completion from start to finish. Utilizing AI to enhance efficiency and expedite problem-solving, you will engage with complex, high-stakes challenges alongside exceptional teammates and advance your career as we shape the future of global banking. If this resonates with you, let’s create what’s next together.About the TeamThe Operations team at Airwallex is pivotal in ensuring the seamless and efficient delivery of our services and processes. We prioritize optimizing workflows, enhancing operational efficiency, and providing outstanding customer support. By refining operations and implementing best practices, we contribute to the company’s growth while upholding high service standards. Our commitment is to deliver a flawless experience for our customers and support Airwallex’s mission to empower businesses worldwide.What You'll DoAs the Senior Manager of Risk Operations, you will lead the team dedicated to securing Airwallex’s global card issuing ecosystem. You will be more than a supervisor; you will be a strategic leader who transforms high-level company objectives into actionable plans. You will be responsible for overseeing risk management protocols, ensuring compliance with regulatory standards, and continuously enhancing operational efficiencies across the board.

About Gusto Gusto supports over 400,000 small businesses nationwide by handling payroll, health insurance, 401(k) plans, and HR services. This work helps business owners focus on what matters most to them and their customers. With offices in Denver, San Francisco, and New York, Gusto aims to build a workplace that reflects the diversity of the communities it serves. Full-time employees receive competitive salaries, a comprehensive benefits package, and equity in the form of RSUs. Compensation varies by role, level, and location. Details about Gusto’s approach to rewards can be found on their Total Rewards philosophy page. AI plays a key role in daily operations at Gusto. Team members are expected to use AI tools relevant to their work and continue building their skills as technology evolves. The level of AI experience required depends on the position and will be assessed during the interview process. Role Overview: Staff Software Engineer – Payments & Risk Gusto is hiring experienced full-stack engineers for teams working on payments and risk platforms. These systems serve small business owners every day. Staff Software Engineers in this group work across the full lifecycle of payments or risk systems: shaping architecture early in design, building internal features and APIs, and maintaining performance after launch. The work includes engineering the core business engine, providing reliable backend services for product teams, and setting a high standard for engineering practices. Team Focus Areas Payments: The Payments team manages all financial transaction operations for Gusto’s products. This includes ensuring secure fund transfers among partners, employers, employees, and government agencies. Engineers on this team build new payment features for both U.S. and international markets and help redesign the payments platform to support future growth. Risk: The Risk team develops systems that protect Gusto and its clients from financial risks. This work shapes experiences that keep customers and the company safe. Location This role is based in San Francisco, CA (hybrid) or New York, NY (hybrid).