Senior Software Engineer - Fraud Prevention and Client Verification

Fraud Prevention and Client Verification This team is the trust layer of the platform. Before we lend to anyone, your systems answer two questions: is this person who they say they are, and is the application legitimate? You'll own identity verification, bank-account verification, income verification, and fraud detection, working with a range of third-party risk and verification providers and turning their signals into decisions the rest of the origination process can rely on. The work is detailed and adversarial. You'll model identity matching, handle re-verification flows, route verified applicants downstream, and minimize fraud while keeping friction low for our clients. You'll also work with some of the most sensitive data in the company, including personal identifiers, bank credentials, and addresses, so handling it securely is part of the everyday job. You'll be a good fit if you like making sense of external data and turning it into reliable decisions, you think naturally about edge cases and abuse vectors, and you want to own a domain where both false positives and false negatives carry real cost. As a S enior Software Engineer , you will be working on an innovative and scalable platform that originates personal loans. You will use your experience in software development to write clean, tested, and well-documented code, as well as provide peer code review and mentor other engineers on the team. About the role You will own meaningful product and technical initiatives end to end. Taking ideas from problem statements to shipped, measurable outcomes Working directly with product and business partners to make tradeoffs that actually matter Measuring success by impact: conversion, adoption, reliability, and real user outcomes You will lead by example: Set engineering standards and patterns through your work, not documents Raise the bar on quality, pragmatism, and speed Bring depth when things get complex and simplicity when they don’t need to be You will constantly look for leverage: Improve conversion and product experience, not just “code correctness” Introduce or evolve technology when it creates real value. Identify small, incremental improvements that compound over time What You Need Product Mindset: You start with the user and the business problem, not the solution. You understand what the end user is trying to accomplish, why it matters, and how success is measured before writing a line of code. End-to-end Ownership: If you build it, you stay connected to it from design and implementation through deployment, monitoring, fixes, and future improvements. Pragmatic Approach: You value simple, durable solutions over clever ones. You know when to invest in long-term architecture and when to optimize for speed and learning. Bias toward Action: You don’t wait for perfect requirements or complete clarity. You break complex problems into smaller steps, ship incrementally, learn from real usage, and adjust quickly. Clear, direct communication: You explain decisions, tradeoffs, and impact clearly to engineers, product partners, and business stakeholders. You contribute through demos, discussions, and collaboration, not just pull requests. About you 5+ years of professional software engineering experience, with hands-on experience building, shipping, and supporting production software using Node.js, React, and TypeScript. You are a true full-stack engineer who owns features end to end across frontend and backend. You’re comfortable deep in the code and confident making architectural decisions and tradeoffs. Experience owning: CI/CD pipelines Automated testing Production monitoring and observability Post-production support and iteration Experience handling regulated or sensitive data (PII/PIFI) responsibly and intentionally Our Tech Stack and Architecture Frontend: Next.js Backend Framework: NestJS (Node.js, Typescript) Database: PostgreSQL with TypeORM Infrastructure: Docker & AWS Architecture: Microservices Codebase: Github & Nx Monorepo Observability: Amplitude, Sentry, Splunk, Dynatrace. What y ou’ll g et Our team members fuel our strategy, innovation and growth, so we ensure the health and well-being of not just you, but your family, too! We go above and beyond to give you the support you need on an individual level and offer all sorts of ways to help you live your best life. We are proud to offer eligible team members perks and health benefits that will help you have peace of mind. Simply put: We’ve got your back. Check out our full list of Benefits and Perks . On-Call Expectations This role may include participation in an on-call rotation to support production systems and ensure service reliability. On-call responsibilities may include coverage during nights and weekends. If applicable, frequency and scheduling will be determined by team needs and communicated accordingly. About u s Headquartered in Detroit, Rocket Loans was established to create the most simple , rocket fast personal loan process. We assembled a top-notch team of individuals combining new, passionate team members with some of the best veterans from Rocket Mortgage to create the most user-friendly lending platform in the world. We have given it our best to create an experience that is best-of-breed in the personal loan industry and commit even more to continuously improving it. At Rocket Loans, you’ll build a career that helps you achieve your professional goals while helping clients get the loans they need to reach their financial goals. We’re looking for innovators and those unafraid to disrupt the status -quo. With an inclusive culture and opportunities to make a positive impact, we’re here to help you foster your career growth. This job description is an outline of the primary responsibilities of this position and may be modified at the discretion of the company at any time. Decisions related to employment are not based on race, color, religion, national origin, sex, physical or mental disability, sexual orientation, gender identity or expression, age, military or veteran status or any other characteristic protected by state or federal law. The company provides reasonable accommodations to qualified individuals with disabilities in accordance with applicable state and federal laws. Applicants requiring reasonable accommodations in completing the application and/or participating in the application process should contact a member of the Human Resources team, at Careers@Rocket.com . The compensation information below is provided in compliance with all applicable job posting disclosure requirements. The compensation for this position is $112,000.00-$239,000.00 . The position may also be eligible for an annual bonus, incentives, and other employment-related benefits including, but not limited to, medical, dental, and vision benefits, 401K retirement plan, and paid-time off. More information regarding these benefits and others can be found here . The information regarding compensation and other benefits included in this paragraph is the company’s current, good faith estimate at the time of posting. [Compensation and benefits are subject to modification from time to time as the Company, in its sole and exclusive discretion, deems appropriate.] The Company may determine during its future reviews of the proposed compensation and benefits provided for this position, that the compensation and benefits for such position should be reduced. In no event will the Company reduce the compensation for the position to a level below the applicable jurisdictional minimum wage rate for the position. Los Angeles County and San Francisco Candidates only: qualified applicants with arrest or conviction records will be considered for employment per the Fair Chance Ordinance and the Fair Chance Initiative for Hiring.