Backend Engineer for Acquiring Risk

About the role Team you will be working with: Acquiring Risk The Acquiring Risk team is part of Acquiring Squad, in the Global Product tribe, dedicated to ensuring customers can receive money quickly and securely, using our full suite of Acquiring products. We build smart fraud detection and prevention systems to stop scammers and fraudsters from exploiting Wise or defrauding our customers. Supporting our full suite of Acquiring products — QuickPay, Payment links, Invoices, e-commerce, and more — we work closely with our financial crime teams to strike the perfect balance: seamless experiences for legitimate users, strong barriers against bad actors. How we work Our team is focused on building a great Acquiring experience for our business customers. To achieve this, we prioritise projects using a mix of data and intuition, focus on good execution and learn from our mistakes. What will you be working on? We're looking for a Backend Engineer to build a fraud engine that will help us ship new products and features quickly while keeping risk and cost low. This will involve working closely with Product, Data Science, Fraud Prevention Analysts and our Fraud agents to strike the right balance between scaling quickly and mitigating risk efficiently. What do you need? • Hands-on experience with distributed systems, including microservices architecture and backend services supporting large-scale traffic. • Proven ability to deliver high-performance, low-latency systems with a focus on speed, scalability, and reliability. • Strong product-oriented mindset, with end-to-end ownership of features and good collaboration within the team. • Proficiency in Java (preferred) or solid experience with similar backend programming languages. • Familiarity with messaging systems such as Kafka or RabbitMQ, and strong knowledge of relational databases (SQL). • Excellent communication and collaboration skills, combined with a growth mindset and focus on delivering user and business value. Nice to Have: • Understanding of basic machine learning concepts and experience building data pipelines. 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: £68,000 - £87,500 + RSUs • Wise Benefits 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. Keep up to date with life at Wise by following us on LinkedIn and Instagram.