Software Engineer - Consumer Fraud Engineering - FDP (Backend)
Ally
- United States
- United States
About
Ref #
22493
Remote?
No
Ally and Your Career
Ally Financial only succeeds when its people do - and that's more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too?
The Opportunity
At Ally, you get a startup feel, but experience the benefits of a company that has worked out the kinks and is fulfilling its purpose. We are always evolving and see that as a good thing. From owning our work to seeing its impact in the real world, our team is relentless in finding new ways technology can help make experiences better and help people. We are problem solvers, we value diverse thinking, we support one another, and we challenge ourselves to think bigger in the journey to deliver customer-obsessed tech solutions. To read more about what our tech team does, be sure to visit our tech blog at ally.tech
Join Ally's Consumer Fraud team to build mission-critical data platforms and APIs at the intersection of data engineering, security, and real-time fraud prevention. You'll develop systems that aggregate and enrich behavioral, transactional, and contextual signals across Ally's digital banking ecosystem, building intelligent, AI-enabled services that power adaptive authorization and fraud detection protecting millions of customers every day.
At this time, Ally will not sponsor a new applicant for employment authorization for this position.
The Work Itself
As an engineer on this team, you'll tackle fascinating challenges at the convergence of fast data and security - processing massive volumes of streaming events, enriching signals with contextual intelligence, and serving insights with millisecond latency. You'll work with modern data technologies to build resilient, scalable platforms where performance and reliability directly impact our ability to keep customers safe. This is your opportunity to shape Ally's next-gen identity and fraud defense stack, AI-assisted development workflows, honing your skills in security-first design principles, distributed systems, streaming architectures, and cloud-native development. This role offers the rare combination of high-impact work, cutting-edge technology, and meaningful outcomes. You'll collaborate across engineering, data science and security teams to solve complex problems that matter. Whether you're developing intelligent identity management capabilities, designing event schemas and platforms for real-time fraud detection, or building APIs that serve critical signals, your work will be visible and valued.
On this team, we believe in relentless progress balanced with sustainable pace. We support each other, celebrate wins, learn from setbacks, and foster an environment where everyone can do their best work. Our #1 goal is team success, and our people are above all else.
Key Responsibilities:
Design and build scalable data pipelines that ingest, transform, and enrich signals from diverse sources across Ally's ecosystem
Develop streaming applications that process high-volume event streams with low latency requirements
Create robust data models and schemas optimized for both analytical queries and real-time serving
Write clean, tested Python code following engineering best practices and team standards
Collaborate with fraud analysts and data scientists to understand requirements and deliver solutions that drive real outcomes
Participate in architectural decisions, technical design reviews, and code reviews
Build and maintain infrastructure-as-code for data platform components
Monitor, troubleshoot, and optimize platform performance and reliability
Contribute to documentation, runbooks, and knowledge sharing across the team
Experiment with emerging technologies and propose innovations that enhance platform capabilities
Mentor team members and contribute to a culture of continuous learning and improvement
The Skills You Bring
Minimum Qualifications:
7+ years of relevant experience
Bachelor's Degree in relevant field(s) of study or equivalent
Preferred Qualifications:
5+ years of professional software development experience with strong fundamentals in data structures and algorithms
Proficiency in Python for building data pipelines, APIs, and backend services
NodeJS, TypeScript, Java is nice to have.
Strong SQL skills and hands-on experience with PostgreSQL including query optimization and data modeling
Experience working with both relational databases (PostgreSQL) and NoSQL databases (DynamoDB) and Graph DB (Neptune) in production environments
Experience designing and implementing ETL/ELT workflows for data transformation and enrichment
Passion for writing maintainable code, automated tests, and clear documentation
Collaborative mindset with excellent communication skills across technical and non-technical audiences
Self-motivated learner who stays curious about new technologies and approaches
BSc/BA in Computer Science, Engineering or a related field, or equivalent practical experience
Experience building or working with streaming applications and event-driven architectures
Familiarity with AWS data services such as Flink, Glue, Kinesis, and ElasticCache
Understanding of API design and microservices architectures
Knowledge of RESTful API Design, GraphQL and AWS AppSync for building scalable APIs
Knowledge of serverless patterns and technologies (Lambda, ECS/Fargate, etc.)
Knowledge of observability tools and distributed tracing (Dynatrace, OpenTelemetry, CloudWatch, X-Ray)
Familiarity with caching strategies for authentication state (ElastiCache, Redis)
Experience designing and deploying systems across multi-region architectures
Experience with Infrastructure as Code tools like Terraform or similar
Understanding of distributed systems concepts and data engineering principles
Background or interest in cybersecurity, fraud detection, or risk management domains
Exposure to distributed messaging systems or event streaming platforms
Exposure to AI-assisted development tools and workflows
How We'll Have Your Back
Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:
Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.
Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
Who We Are:
Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.
Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.
Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.
We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
Base Pay Range:
An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.
Emerging:
110000
Experienced:
145000
Expert:
180000
Incentive Compensation: This position is eligible to participate in our annual incentive plan
Languages
- English
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