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<h1>About OnePay</h1>OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:<ul> <li>Checking and high-yield savings accounts</li> <li>Domestic and international peer-to-peer payments</li> <li>Credit Builder and credit score monitoring</li> <li>Digital wallet / contactless payment solutions</li> <li>Buy-now-pay-later installment loans at Walmart</li> </ul>Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!<h1>The role</h1>As a Corporate Security Engineer at OnePay, you will lead the design, implementation, and optimization of OnePay's corporate security infrastructure. You will proactively enhance security controls, develop strategic security frameworks, and lead initiatives that align security goals with business objectives. Automation and managed self-service capabilities are a must for maintaining the security of all corporate systems in a rapidly scaling environment. Security is a cornerstone of every task, project, and decision you oversee, making this role a critical contributor to the company's overall security posture.This role is responsible for:<ul> <li>Configure and manage authentication policies and security settings for Okta and corporate SaaS applications</li> <li>Integrate devices and manage mobile device management (MDM) setups</li> <li>Create and manage API tokens to connect OnePay applications</li> <li>Design, edit, and manage Okta workflows, including working with tables</li> <li>Oversee network security, including gateway IPs and dynamic zones based on geolocation</li> <li>Balance Okta admin console management with Terraform for infrastructure-as-code</li> <li>Handle escalated IT/BPO tickets from MSP staff and operations teams</li> <li>Provide Tier 2 system admin support and troubleshoot Okta-related issues</li> <li>Address complex API and system integration challenges, supporting onboarding of new vendors into Okta</li> <li>Create and manage custom roles and permission sets within Okta, and support incident response and disaster recovery planning</li> </ul><h1>You bring</h1><ul> <li>5+ years of IT experience with focus on security, access management, and system administration</li> <li>Strong hands-on experience with Okta administration, workflows, and identity management</li> <li>Proficiency with infrastructure-as-code tools like Terraform</li> <li>Experience implementing and managing MDM, VDI, and endpoint security solutions</li> <li>Knowledge of cloud security best practices and authentication standards</li> <li>Proven ability to lead projects, automate processes, and achieve measurable security improvements.</li> <li>Skilled at mentoring, simplifying technical concepts for non-technical audiences, and influencing decisions.</li> </ul><h1>What We Offer</h1><ul> <li>Competitive base salary, stock options, and health benefits from Day 1</li> <li>401(k) plan with company match</li> <li>Remote-friendly (US), flexible time off (FTO), and opportunities for growth</li> <li>A high-growth, mission-driven, inclusive culture where your work has real impact</li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $140,000 to $180,000. Pay is generally based on the level, complexity, responsibility, location and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits. We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.<h1>Standard Interview Process</h1><ul> <li>Initial Interview with Talent Partner</li> <li>Technical or Hiring Manager Interview</li> <li>Team Interview</li> <li>Executive Interview</li> <li>Offer!</li> </ul><h1>Equal Employment Opportunity</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@onepay.com" target="_blank">talent@onepay.com</a>.

Corporate Security Engineer

<h1>About OnePay</h1>OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:<ul> <li>Checking and high-yield savings accounts</li> <li>Domestic and international peer-to-peer payments</li> <li>Credit Builder and credit score monitoring</li> <li>Digital wallet / contactless payment solutions</li> <li>Buy-now-pay-later installment loans at Walmart</li> </ul>Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!Position Overview:We are seeking a technically strong and detail-oriented Revenue Accountant to join our dynamic accounting team. The ideal candidate will have a solid foundation in U.S. GAAP, fintech industry experience, and a deep understanding of data reconciliation. In this role, you will collaborate closely with cross functional teams to ensure accurate revenue recognition, support financial reporting, and contribute to the development of scalable accounting processes.Key Responsibilities:<ul> <li>Revenue Recognition: Ensure accurate revenue recognition in compliance with relevant accounting standards. Analyze revenue performance, monitor product-related activity, and ensure accurate classification and recognition.</li> <li>Accounting Operations &amp; Close: Prepare journal entries, account reconciliations, and supporting documentation. Drive the timely and accurate close of revenue-related accounts. </li> <li>Data Reconciliation: Perform data reconciliations between financial systems, payment processors, and other relevant platforms to ensure accuracy and completeness of revenue data.</li> <li>Collaboration Cross Functionally: Work closely with Product, Financial Operations, Treasury, and Data Analytic teams to design and implement scalable accounting processes. Work closely with Business Finance to support downstream reporting needs..</li> <li>Financial Reporting: Assist in the preparation of monthly, quarterly, and annual financial reporting through month end close, reconciliations and flux meetings. Ensure that revenue-related financial data is accurately reported.</li> <li>Process Improvement: Identify opportunities to streamline and automate accounting processes. Implement best practices to improve efficiency and accuracy in revenue accounting.</li> <li>Data Analysis: Utilize data platform tools to extract, analyze, and reconcile data from various sources. Perform ad hoc analyses to support data reconciliation and financial reporting.</li> <li>Audit Support &amp; Compliance: Prepare documentation and provide support for internal and external audits, ensuring compliance with relevant standards and regulations.</li> </ul>Qualifications:<ul> <li>Education: Bachelor's degree in Accounting, Finance, or a related field. CPA or equivalent certification preferred.</li> <li>Experience: 2+ years experience in Big 4 public accounting firm or similar. 4-8 years of experience in accounting.</li> <li>Technical Skills: Deep understanding of U.S. GAAP, particularly ASC 606 and its application to technology and financial products. Strong Excel skills, proficiency in ERP systems (e.g., NetSuite) and financial close tools (e.g. Numeric). </li> <li>Industry Knowledge: Understanding of fintech products and services, payment processing, payment flows and the regulatory environment.</li> <li>Problem-Solving: Strong analytical thinking and the ability to assess accounting implications of complex or evolving business activities.</li> <li>Collaboration: Ability to clearly articulate technical accounting concepts to non-accounting stakeholders and collaborate effectively across teams.</li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $110,000 to $125,000 . Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits. We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.<h1>Standard Interview Process</h1><ul> <li>Initial Interview with Talent Partner</li> <li>Technical or Hiring Manager Interview</li> <li>Team Interview</li> <li>Executive Interview</li> <li>Offer!</li> </ul><h1>Equal Employment Opportunity</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@onepay.com" target="_blank">talent@onepay.com</a>.

Revenue Accountant

<h1>About One</h1>One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place. The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!<h1>The Role</h1>Product Partnerships support the functionality of the OnePay platform. Your mandate is to help manage and maintain agreements with new technology providers across global money transfers, savings &amp; investing, and rewards. This role directly supports One’s ability to deliver on its aggressive product roadmap by ensuring we have the right 3rd party provider relationships in place as we scale and that our agreements with them are commercially favorable. In the role you will work cross-functionally with many team(s) including Commercial, Product, Legal, &amp; Finance. Sitting at the nexus of new product launches and ongoing feature development, you will work on projects across the business spanning banking, lending, and payments.This role is responsible for: <ul> <li>Representing the Commercial team while partnering cross-functionally with Product, Legal, &amp; Finance to support the implementation of new partnerships that have customer facing implications</li> <li>Identifying product partnership opportunities that result in new embedded / native API driven experiences within the OnePay app </li> <li>Developing a robust partner success framework for ongoing partner performance evaluation</li> <li>Managing existing 3rd party provider relationships supporting core OnePay product capabilities</li> <li>Bringing a strong network of industry contacts; relevant verticals include, but are not limited to: money transfer solutions, banking and investing, debit/credit rewards</li> <li>Ad hoc projects and analysis for strategic partnerships as requested</li> </ul><h1>You Bring</h1><ul> <li>7yrs + relevant experience required</li> <li>An act-like-an-owner mentality. We have a bias toward taking action.</li> <li>Strong interpersonal and presentation skills with the ability to influence internal and external decision makers </li> <li>A sense of curiosity and persistence while being execution focused across multiple opportunities and relationships at once</li> <li>Tenacity, you conduct follow-up calls and emails to keep the process moving and don’t hesitate to get on a plane to close the deal</li> <li> A passion for creating impact and an interest in how financial services can better serve everyone </li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $150,000 to $180,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.<h1>What it’s like working @ OnePay</h1>Our teams collaborate remotely and in our work spaces in New York. <ul> <li>Competitive cash</li> <li>Benefits effective on day one </li> <li>Early access to a high potential, high growth fintech</li> <li>Generous stock option packages in an early-stage startup</li> <li>Remote friendly (anywhere in the US) and office friendly - you pick the schedule</li> <li>Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave</li> <li>401(k) plan with match</li> </ul> We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.<h1>Leveling Philosophy</h1>In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.<h1>Inclusion &amp; Belonging</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@one.app" target="_blank">talent@one.app</a>.

Product Partnerships

<h1>About One</h1>One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place. The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!<h2>The role</h2>As a Site Reliability Engineer (SRE) at One, your mandate is to ensure the availability and reliability of our most critical services, and ensure that they meet the requirements of our customers. Our SRE team at One is growing, so you’ll be a crucial early member to help establish the team, processes, and best practices. Success in this role looks like collaborating with other teams to build and run sustainable production systems that can evolve and adapt to the changes in our fast-paced environment.This role is responsible for:<ul> <li>Working proactively with engineering teams to help them set SLOs and implement best practices for logging and telemetry collection</li> <li>Design, implement and maintain the tools and systems that support service reliability, monitoring, and alerting</li> <li>Participating in a 24x7 on-call rotation supporting the health of our services</li> <li>Driving the incident management process and support a blameless post-mortem culture</li> <li>Participating in application design consulting and capacity planning</li> <li>Defining and formalizing SRE practices and help guide the overall reliability engineering direction</li> <li>Providing mentorship both formally and informally to engineers at One</li> <li>Continuously optimizing systems and workflows by improving architecture, infrastructure, automation, CI/CD, and observability</li> <li>Combining software and systems knowledge to engineer high-volume distributed systems in a reliable, scalable, and fault-tolerant manner</li> </ul>You bring<ul> <li>5+ years of relevant industry experience with a focus on distributed cloud native systems design, observability, operation, maintenance, and troubleshooting</li> <li>5+ years operational experience with an observability platform like Datadog, Splunk, Prometheus/Grafana, or AppDynamics</li> <li>Fluency in one or more programming languages (e.g. Python, Typescript, Go)</li> <li>A strong conviction in software development best practices, including version control, automated testing, and continuous integration and delivery</li> <li>You're self-motivated, inquisitive, and always looking to learn new technologies</li> <li>You’re a great teammate who communicates clearly and transparently</li> <li>The Triple H Factor: Humble, Hungry and Honest</li> <li>An act-like-an-owner mentality. We have a bias toward taking action.</li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $175,000 to $205,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.<h2>What it’s like working @ One</h2><ul> <li>Competitive cash</li> <li>Benefits effective on day one</li> <li>Early access to a high potential, high growth fintech</li> <li>Generous stock option packages in an early-stage startup</li> <li>Remote friendly (anywhere in the US) and office friendly - you pick the schedule</li> <li>Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave</li> <li>401(k) plan with match</li> </ul><h1>Leveling Philosophy</h1>In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.<h1>Inclusion &amp; Belonging</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@one.app" target="_blank">talent@one.app</a>.

Site Reliability Engineer

<h1>About One</h1>One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place. The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!<h1>The role</h1>We are seeking a skilled and experienced Data Platform Engineer to join our growing team. You will be responsible for designing, developing and maintaining our data infrastructure, including data pipelines and data warehouses. This role will play a pivotal part in driving our data strategy, enabling advanced analytics, and supporting Machine Learning operations at scale. You will work closely with the data science, analytics and backend engineering team(s) to ensure our data architecture meets the needs of our business and enables us to make data-driven decisions.Responsibilities:<ul> <li>Design, implement, and maintain robust streaming and batch data pipelines using Databricks, Spark, and Python.</li> <li>Ensure data infrastructure is reliable, secure, and scalable, adhering to industry regulations and data governance standards.</li> <li>Monitor, troubleshoot, and proactively improve data infrastructure to ensure high availability and performance.</li> <li>Build and optimize data platforms and warehouses to meet the evolving needs of stakeholders across analytics, machine learning, and backend systems.</li> <li>Assist in the re-architecture of batch pipelines to streaming pipelines, ensuring real-time data flow for ML and operational needs.</li> <li>Collaborate with data scientists and analysts to streamline data processing for advanced analytics and machine learning.</li> <li>Establish and maintain MLOps workflows, ensuring seamless deployment, monitoring, and serving of ML models and features.</li> <li>Drive feature engineering and create systems to stage and serve features for machine learning.</li> </ul> <h1>You bring</h1><ul> <li>5+ years of experience in data engineering or a similar role.</li> <li>Expertise in Apache Spark for large-scale data processing.</li> <li>Advanced knowledge of production-level Python</li> <li>Strong SQL skills for data manipulation and ETL processes.</li> <li>Experience with real-time streaming technologies such as Kafka or Kinesis.</li> <li>Familiarity with MLOps practices and workflows, including feature engineering, model training, and serving.</li> <li>Preferred: Proficiency in Databricks for managing data pipelines and analytics workflows, Infrastructure as Code (IaC), Terraform or AWS preferred</li> <li>Strong problem-solving skills and the ability to work collaboratively in cross-functional teams.</li> <li>An “act-like-an-owner” mentality with a bias toward taking action.</li> </ul> We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.<h1>Leveling Philosophy</h1>In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.<h1>Inclusion &amp; Belonging</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@one.app" target="_blank">talent@one.app</a>.

Data Platform Engineer

<h1>About OnePay</h1>OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:<ul> <li>Checking and high-yield savings accounts</li> <li>Domestic and international peer-to-peer payments</li> <li>Credit Builder and credit score monitoring</li> <li>Digital wallet / contactless payment solutions</li> <li>Buy-now-pay-later installment loans at Walmart</li> </ul>Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!<h1>The Role</h1>As a Product Lead (Servicing and Automation Solutions) at OnePay you will ensure that OnePay’s customer experiences with servicing and operations are par excellence. This role will impact OnePay’s vision by ensuring that when customers reach out to our support channels, their problems are being resolved and driving our overall customer satisfaction scores to a higher level. This role is responsible for Servicing (building and improving tools all our agents use) and Customer Interactions (Chat and IVR channels). Specific responsibilities include:<ul> <li>Understanding our servicing platform, core product, and operations sufficiently to build solutions proactively.</li> <li>A deep understanding of AI/ML industry trends, emerging technologies, and best practices, especially in the context of Customer Service and Customer Interactions</li> <li>Extreme deep dives into Customer and agent experiences to identify gaps across procedures, agent tools, or other systems where we are not able to meet the customer needs when they contact us</li> <li>Creating and maintaining a product strategy roadmap for key components of Tools and Services used by our BPOs and a product strategy roadmap on how to improve containment rates on our Chat and IVR channels while consistently improving our Customer Satisfaction score - all while leveraging AI tools and technologies</li> <li>Working with Data Analytics and analyzing key inputs to determine how to prioritize enhancements to our products</li> <li>Gathering requirements and writing technical specifications that will help us service our customers better</li> <li>Working cross-functionally with Operations, Data Science, Engineering, Risk, Compliance and other key stakeholders</li> <li>Presenting to senior management key takeaways - how the product has performed, what changes we are making and why, and our strategic goals </li> <li>Managing a team of PMs </li> </ul><h1>You Bring</h1><ul> <li>Expert Career 15+ years of experience with US banking and financial services, with at least 5+ years in a Customer Success, Product Expert, or similar role supporting enterprise AI/ML solutions</li> <li>Experience of managing BPO partners and service centers</li> <li>Extreme sense of curiosity and investigative capabilities to ensure root cause to issues are identified</li> <li>Data-driven analysis skills to ensure trend identification</li> <li>Ability to prioritize under pressure</li> <li>Great executive communication skills with ability to succinctly explain complex issues</li> <li>Ability to manage and grow a team in a hyper-growth environment.</li> </ul><h1>What We Offer</h1><ul> <li>Competitive base salary, stock options, and health benefits from Day 1</li> <li>401(k) plan with company match</li> <li>Remote-friendly (US), flexible time off (FTO), and opportunities for growth</li> <li>A high-growth, mission-driven, inclusive culture where your work has real impact</li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $180,000 to $230,000. Pay is generally based on the level, complexity, responsibility, location, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.<h1>Standard Interview Process</h1><ul> <li>Initial Interview with Talent Partner</li> <li>Technical or Hiring Manager Interview</li> <li>Team Interview</li> <li>Executive Interview</li> <li>Offer!</li> </ul><h1>Equal Employment Opportunity</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@onepay.com" target="_blank">talent@onepay.com</a>.

Product Lead of Servicing and Customer Interactions

<h1>About OnePay</h1>OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:<ul> <li>Checking and high-yield savings accounts</li> <li>Domestic and international peer-to-peer payments</li> <li>Credit Builder and credit score monitoring</li> <li>Digital wallet / contactless payment solutions</li> <li>Buy-now-pay-later installment loans at Walmart</li> </ul>Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!The RoleAs a Software Engineer at OnePay, your work will build the products &amp; systems that serve our customers and run our company. You will play a crucial role in translating product visions into functional, high-quality applications and features. You will work closely with product managers, designers, and other engineers to deliver impactful solutions that enhance our customer's financial lives. You will:<ul> <li>Develop and implement new features, API's, and products.</li> <li>Work closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems. </li> <li>Architect and designing highly scalable and reliable products.</li> <li>Building and maintaining documentation. As a growing and remote organization, having the necessary documentation is key to our success. </li> <li> Solve complex problems that arise at scale. We deal with real-world money movement and sensitive financial data at scale and are creating novel financial mechanics with no real precedent. </li> </ul>You Bring<ul> <li>5+ years of professional experience in product-facing backend development.</li> <li>Strong track record of delivering high-impact features and products.</li> <li>Experience building, maintaining, and optimizing API's.</li> <li>Drive and proactivity - everyone here is a builder and executor</li> </ul><h1>Tools we use</h1>We use the fp-ts library for functional programming with Node/TypeScript running on top of Kubernetes and AWS. We believe great engineers can learn any stack, so you do not need experience with these specific tools, but you’ll ramp up more quickly if you are familiar with functional programming concepts.<h1>What We Offer</h1><ul> <li>Competitive base salary, stock options, and health benefits from Day 1</li> <li>401(k) plan with company match</li> <li>Remote-friendly (US), flexible time off (FTO), and opportunities for growth</li> <li> A high-growth, mission-driven, inclusive culture where your work has real impact </li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $130,000 to $220,000. Pay is generally based on the level, complexity, responsibility, location, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.<h1>Standard Interview Process</h1><ul> <li>Initial Interview with Talent Partner</li> <li>Technical or Hiring Manager Interview</li> <li>Team Interview</li> <li>Executive Interview</li> <li>Offer!</li> </ul><h1>Equal Employment Opportunity</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@onepay.com" target="_blank">talent@onepay.com</a>.

Software Engineer

<h1>About One</h1>One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place. The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!<h1>The role</h1>As an Analytics Manager, your mandate is to create a next generation analytics platform. This role will impact One’s vision by enabling the company to monitor and analyze business leading to sustainable and disciplined business outcomes. You will work closely with many teams including Data Engineering, Product Analytics, Data Science, Product and analysts across the company. The position reports to Head of AnalyticsThis role is responsible for: <ul> <li>Developing and maintaining our analytical environment including data marts that drive actionable analytics insights across the company</li> <li>Building data solutions including new pipelines, dashboards, data marts and ad hoc data pulls to address business asks coming from variety of stakeholders</li> <li>Setting the vision for the use of analytics across the enterprise and evangelizing a data driven philosophy for decision making.</li> <li>Leading and developing a team of high performing analytics engineers to achieve the above</li> <li>Additional duties as assigned by your manager</li> </ul><h1>You bring</h1><ul> <li>Expert Career (5-10 Years); Preferred 3+ years of experience in consumer financial companies.</li> <li>An act-like-an-owner mentality. We have a bias toward taking action.</li> <li>Experience with modern data stack (Databricks / DBT / Monte Carlo or equivalents)</li> <li>Experience in owning growing and mature analytical environments</li> <li> Proven ability to work cross functionally across business to identify data needs and deliver right sized outcomes </li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $150,000 to $200,000. Pay is generally based upon the level, complexity, responsibility, location and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.<h1>What it’s like working @ One</h1><ul> <li>Competitive cash</li> <li>Benefits effective on day one </li> <li>Early access to a high potential, high growth fintech</li> <li>Generous stock option packages in an early-stage startup</li> <li>Remote friendly (anywhere in the US) and office friendly - you pick the schedule</li> <li>Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave</li> <li>401(k) plan with match</li> </ul> We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.<h1>Leveling Philosophy</h1>In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.<h1>Equal Employment Opportunity</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@one.app" target="_blank">talent@one.app</a>.

Manager, Analytics Engineering

<h1>About One</h1>One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place. The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!<h1>The Role</h1>As an Applied Scientist at One you’ll be at the forefront of our AI and Machine Learning innovation! You'll design and deploy machine learning, deep learning, and LLM models that will shape our customer experience, drive business growth, and improve operational efficiency while collaborating closely with product, engineering, and analytics teams. If you're interested in directly influencing some of One's most critical business outcomes and are passionate about using AI to solve real-world problems at scale, this role is for you!<h2>The role is responsible for:</h2><ul> <li>Lead end-to-end machine learning model development: from design, experimentation, and deployment to scaling production models.</li> <li>Tackle real-world problems with both batch and real-time models, creating a tangible impact on customer experience, fraud prevention, and operational efficiency.</li> <li>Collaborate with cross-functional teams from Product, Engineering, and Analytics to drive AI initiatives that directly impact our company’s growth and bottom line.</li> <li> Play a pivotal role in a fast-growing, dynamic environment. As we continue to expand, there are opportunities to transition into a lead or manager role. </li> </ul><h1>You Bring:</h1><ul><li>Hands-on expertise with 5+ years of experience building and productionizing ML/AI models that deliver measurable business impact.</li></ul><ul> <li>You have a strong technical background with a degree in Computer Science, Data Science, Applied Mathematics, or a related field.</li> <li>You're fluent in collaborating with Product, Engineering, and Analytics teams to bring AI solutions from ideation to deployment.</li> <li>You're proficient in Databricks (or similar platforms) and familiar with managing data pipelines and advanced analytics workflows in a cloud-based environment.</li> <li> You have the Triple H Factor: Hungry, Humble, Honest. You thrive in fast-paced environments and approach challenges with an ownership mentality. </li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $200,000 to $250,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.<h1>What it’s like working @ One</h1><ul> <li>Competitive cash</li> <li>Benefits effective on day one </li> <li>Early access to a high potential, high growth fintech</li> <li>Generous stock option packages in an early-stage startup</li> <li>Remote friendly (anywhere in the US) and office friendly - you pick the schedule</li> <li>Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave</li> <li>401(k) plan with match</li> </ul> We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.<h1>Leveling Philosophy</h1>In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.<h1>Equal Employment Opportunity</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@one.app" target="_blank">talent@one.app</a>.

Applied Scientist

<h1>About One</h1>One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place. The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances. What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent. There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!<h1>The Role</h1>As a Compliance Manager, your mandate is to help the company excel in regulatory risk management so we can continue offering high value products while maintaining trust with our customers, our partners, and our external stakeholders, including regulators. This role will impact OnePay vision by implementing and managing critical elements of risk management including governance and controls processes. You will work closely with the Operations, Servicing, and Product teams working on issues management, complaints remediation, regulatory change management, and compliance training. This role reports to the Compliance Governance Lead.This role is responsible for: <ul> <li>Assisting in the day-to-day oversight and management of OnePay compliance management system (“CMS”).</li> <li>Developing, executing and managing compliance critical functions, including, complaints, issue management, regulatory change management, and training.</li> <li>Ensuring compliance by developing and maintaining expertise, up-to-date knowledge of regulatory changes and amended laws.</li> <li>Participating in the development of regulatory and department policies and/or procedures, as well as in the creation and implementation of tools, guides and other resource materials for the first line of defense.</li> <li>Providing compliance and regulatory-risk input and support for all new products, delivery channels, and markets as well as for changes to proprietary systems, technologies and/or processes.</li> <li>Reviewing qualitative and quantitative KPIs and KRIs and identify potential areas of risks to OnePay customers or partners.</li> <li>Analyzing large data sets for trends and effectively communicating that analysis to a variety of audiences</li> <li>Additional duties as assigned by your manager</li> </ul><h1>You bring</h1><ul> <li>Up to 5-10 Years of experience</li> <li>An act-like-an-owner mentality. We have a bias toward taking action.</li> <li>CRCM or similar compliance certification</li> <li>Experience working with products or businesses in lending, banking, financial services, or other highly regulated sectors.</li> <li>Strategic thinking with the matched ability to deliver compliance improvements and set best in class processes.</li> <li>Strong ability to work in a leadership role and influence peers. Must be able to work collaboratively with the supported businesses, providing guidance and administering policies/procedures as needed in a timely manner.</li> <li>Excellent project management skills, strong writing and analytical ability to complete projects on time. Excellent communication skills including the ability to effectively deliver technical training.</li> <li> Experience working with products or businesses in lending, banking, financial services, or other highly regulated sectors. </li> </ul><h1>Pay Transparency</h1>The estimated annual base salary for this position ranges from $125,000 to $150,000. Pay is generally based upon the level, complexity, responsibility, and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits. We use Covey as part of our hiring process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using <a href="https://getcovey.com/product/covey-scout-inbound" target="_blank">Covey Scout for Inbound</a> on May 31, 2024.Please see the independent bias audit report covering our use of Covey <a href="https://getcovey.com/nyc-local-law-144" target="_blank">here</a>.<h1>Leveling Philosophy</h1>In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.<h1>Equal Employment Opportunity</h1>To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at <a href="mailto:talent@one.app" target="_blank">talent@one.app</a>.

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