Full-Time

Staff Engineer

Java, Full Stack

Posted on 11/1/2025

Early Warning

Early Warning

1,001-5,000 employees

Payments network and risk management solutions

Compensation Overview

$158k - $205k/yr

+ Discretionary incentive plan + Benefits

No H1B Sponsorship

Chicago, IL, USA + 2 more

More locations: Scottsdale, AZ, USA | New York, NY, USA

Hybrid

Category
Software Engineering (1)
Requirements
  • Education and/or experience typically obtained through a Bachelors degree in computer science or related technical field.
  • Ten or more years of relevant related experience
  • Seven or more years of experience in the development of distributed systems, SaaS, cloud solutions, micro services.
  • Hands-on Docker experience.
  • Two or more years of experience in the development of front-end solutions. Hands-on familiarity with modern frameworks (Angular/React)
  • Six or more years of work experience with Java/Spring. Proficiency in Maven/Gradle.
  • Demonstrated experience in delivering business-critical systems to the market.
  • Ability to influence and work in a collaborative team environment.
  • Experience designing/developing scalable systems.
  • Experience with event-driven architecture and messaging frameworks (Pub/Sub, Kafka, RabbitMQ, etc).
  • Working experience with cloud infrastructure (Google Cloud Platform, AWS, Azure, etc).
  • Knowledge of mature engineering practices (CI/CD, testing, secure coding, etc).
  • Knowledge of Software Development Lifecycle (SDLC) best practices, software development methodologies (Agile, Scrum, LEAN etc) and DevOps practices.
  • Background and drug screen.
Responsibilities
  • Build technical strategy for broad or complex requirements with insightful and forward-looking approaches that go beyond the direct team and solve large open-ended problems.
  • Participate in the strategic development of methods, techniques, and evaluation criteria for projects and programs.
  • Drive all aspects of technical architecture, design, prototyping and implementation in support of both product needs as well as overall technology strategy.
  • Provide leadership and technical expertise in support of building a technical plan and backlog of stories, and then follow through on execution of design and build process through to production delivery.
  • Guide a broad functional area and lead efforts through the functional team members along with the teams overall planning.
  • Represent engineering in cross-functional team sessions and able to present sound and thoughtful arguments to persuade others. Adapts to the situation and can draw from a range of strategies to influence people in a way that results in agreement or behavior change.
  • Collaborate and partner with product managers, designers, and other engineering groups to conceptualize and build new features and create product descriptions.
  • Actively own features or systems and define their long-term health, while also improving the health of surrounding systems.
  • Assist support and operations teams in identifying and quickly resolving production issues.
  • Develop and implement tests for ensuring the quality, performance, and scalability of our application.
  • Actively seek out ways to improve engineering standards, tooling, and processes.
  • Supporting the companys commitment to risk management and protecting the integrity and confidentiality of systems and data.
Desired Qualifications
  • MS or PHD
  • JavaScript and scripting frameworks experience (JQuery, AngularJS)
  • Monitoring and Alerting systems experience (AppDynamics)
  • Computer language experience (C#, Ruby, Python, and PHP)
  • Knowledge of ACH/EFT
  • Knowledge of real time payment networks (RTP, FedNow)
  • FinTech experience
  • Kubernetes experience
  • AWS, Azure (and/or other cloud-based) certification(s) strongly preferred

Early Warning Services, LLC builds and operates risk, fraud and payment technologies that protect financial transactions and expand access to financial services. It leverages network intelligence and collaborations with more than 2,500 banks and credit unions to secure payments for consumers and small businesses, and to enable convenient payment options. Its well-known products include Zelle®, a person-to-person electronic payments network, and Paze℠, an online checkout solution, integrated within a broad financial ecosystem. The company differentiates itself through its extensive partner network, decades of experience, and a dedicated focus on risk, fraud prevention and payments infrastructure. Its goal is to empower and protect the U.S. financial services ecosystem by making financial services more accessible while keeping transactions safe.

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

$22.9M

Headquarters

Scottsdale, Arizona

Founded

1990

Simplify Jobs

Simplify's Take

What believers are saying

  • Partners with over 2,500 banks and credit unions for vast network access.
  • Leverages big data analytics from thousands of institutions for ACH fraud prevention.
  • Submitted five-point fraud plan to OCC, Fed, FDIC RFI on September 19, 2025.

What critics are saying

  • CFPB sued Early Warning and banks on December 20, 2024, for Zelle fraud violations.
  • Bank ownership by BofA, JPMorgan, Wells Fargo invites DOJ antitrust scrutiny.
  • Paze faces displacement by Apple Pay, Google Pay in saturated e-commerce market.

What makes Early Warning unique

  • Early Warning screened $10.8 trillion in payments in 2024, stopping $3 billion fraud.
  • Predict New Account Risk delivers predictive intelligence beyond binary risk decisions.
  • Operates Zelle and Paze, expanding from fraud detection to e-commerce payments.

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Benefits

Health Insurance

401(k) Retirement Plan

401(k) Company Match

Unlimited Paid Time Off

Paid Vacation

Paid Parental Leave

Family Planning Benefits

Flexible Work Hours

Company News

PR Newswire
Mar 17th, 2026
Citi adds Paze digital wallet for millions of US credit cardmembers

Early Warning Services has expanded its Paze online checkout solution to Citi, giving millions of credit cardmembers access to the bank-offered digital wallet. Eligible Citi cardmembers can activate Paze through Citi.com, the Citi Mobile App, or mywallet.paze.com. Paze allows customers to check out online without manually entering card details, using tokenisation for added security. The service is available at leading online merchants across apparel, electronics, jewellery, food, entertainment and beauty sectors. According to a survey, 72% of US consumers value digital wallet efficiency for online transactions, whilst 82% trust their banks' security more than third-party payment options. More than 165 million credit and debit cards have been added to the Paze platform, which is operated by Early Warning Services.

Cision
Sep 4th, 2025
Extending the Reach of Zelle(R): Alacriti and Early Warning Join Forces

Alacriti partners with Early Warning Services to embed Zelle(R) into its Orbipay Payments Hub

NYC Politics
Aug 14th, 2025
NY Attorney General Letitia James Targets Zelle's Parent Company Over Massive Fraud Losses

While EWS promoted Zelle as safe and reliable, the complaint contends the company failed to deliver on those promises.

Early Warning Services, LLC
Jul 9th, 2025
Payfinia brings Paze digital wallet to community financial institutions

PORTLAND, Ore., July 9 - Payfinia, an independent payment services firm providing an open payments framework, announced today its partnership with Early Warning Services to offer Paze[SM], an online checkout solution developed by Early Warning Services and offered by participating banks and credit unions.

Boland Hill Media, LLC
Dec 20th, 2024
The CFPB Sues Early Warning, BofA, Chase, And Wells Over Zelle Fraud

Zelle, which Early Warning launched in 2017 to compete with services such as PayPal Holdings Inc. and its Venmo network, has been the subject of controversy for several years over scams in which users allege they were gulled into transferring funds to fraudsters.

INACTIVE