Senior Backend Engineer - Receive Risk

Wise is a global technology company, building the best way to move and manage the world’s money.

Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.

For everyone, everywhere.

More about our mission and what we offer.

Join Wise – One of Europe’s Fastest-Growing Companies

At Wise, we’re on a mission: to make money without borders the new normal. With over 16 million customers worldwide and growing fast, we’re building a better way for people and businesses to move money globally — quickly, securely, and affordably.

The current banking system? It’s outdated. Sending, spending, or receiving money across borders is still too slow, too expensive, and too complicated.

So we’re building something better. From the ground up.

We're looking for a Backend Engineer to join our team and help us create a scalable, secure, and reliable global platform. You’ll work on high-impact projects that make it easier for people and businesses everywhere to send and receive money, no matter where they are.

About the Team: Receive Risk

The Receive Risk team is a global product team focused on making it safe and seamless for customers to receive money into their Wise accounts. We build intelligent systems and controls to detect and stop fraudsters and scammers — protecting both Wise and our customers.

We support all of our receive products (like local and global account details, payment links, and invoicing) and work closely with our Financial Crime teams to ensure these tools are low-friction for good users, and high-friction for the bad ones.

What We’re Looking For

• A strong product mindset and genuine passion for user experience — you prioritize customer value and make data-driven decisions

• Clear communication skills — you can explain complex technical ideas to non-technical audiences

• Self-starter attitude with a collaborative spirit — you work well independently and across teams

• Ability to break down complex problems into shippable milestones that deliver value fast

• Experience in building web applications and distributed systems in a production environment

• Clean, efficient, and well-tested code is your standard — you’re big on performance and maintainability

• You follow and promote best practices, including CI/CD and code reviews

• Experience with relational and non-relational databases, query optimization, and schema design is a plus

• Familiarity with Java, Spring Boot, and messaging systems like Kafka is a plus

Don’t tick every box? That’s okay — we don’t expect you to know everything.

What Does Success Look Like

• You’ve found your footing in the team and understand how your work connects to the broader mission

• You’re using Wise’s values to guide your decision-making

• You understand the root causes of customer payment issues and actively help solve them

• You’re contributing to automation efforts that help us scale efficiently

• You’ve built empathy for our users and the real-world impact of our product

• You’re solving technical challenges and helping us build a world-class global banking product

Learn more about how your career can grow at Wise:

Engineering Career Map

Get a closer look at our tech:

2025 Tech Stack Update

Salary Range: £105,000 – £130,000

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.