Full-Time
Junior Software Engineer
Posted on 9/3/2026
Trulioo
201-500 employees
Identity verification API for global onboarding
No salary listed
San Diego, CA, USA
Hybrid
Three days in the San Diego office per week are required.
Master's
 Software Engineering (1) |
|---|
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- One to two years of experience working in a software engineering or development environment.
- A Master's degree in Computer Science, Data Science, Engineering, or a closely related field.
- A solid foundation in Python and/or another backend language, with the ability to write clean, readable, testable code.
- An understanding of SQL and/or NoSQL databases and basic API design, at minimum REST.
- Exposure to cloud infrastructure; AWS is preferred, and coursework, internship, or personal project experience is acceptable.
- A self-starter mindset, comfort with ambiguity, and the ability to ask questions and figure things out without waiting for fully specified tasks.
- Genuine interest in current AI tooling and prior experimentation with it through self-directed learning.
- Motivation to ship usable products end-to-end.
- Willingness to learn production systems, including testing, deployment, monitoring, on-call support, and troubleshooting.
- Ability to collaborate clearly with more senior engineers.
- Comfort using AI coding assistants such as Claude Code, GitHub Copilot, or Cursor.
- At least one project involving an LLM doing more than single-shot question answering, such as calling tools or functions, chaining steps, using retrieval, or coordinating multiple steps toward a goal.
- Help take Discovery Agent prototypes, including Vertex AI-based prototypes, through the software development lifecycle by contributing to design, implementation, testing, and deployment through API and agentic access.
- Help harden proof-of-concept agent code toward production quality through error handling, observability, testing, and basic cost and latency awareness.
- Help build test cases and evaluation checks for agent behavior.
- Support data ingestion and pipeline work feeding the agent using AWS and Big Data tooling.
- Work with the Product team and senior engineers to turn business requirements into shipped features.
- Learn and contribute to production support practices, including monitoring, alerting, and incident response for an AI-driven service.
- Some exposure to data pipelines or data processing through coursework, internships, or projects using tools such as PySpark, Airflow, or similar.
- Coursework or projects involving orchestration tools such as Apache Airflow or Dagster, OpenSearch or Elasticsearch, or Big Data tools such as Spark, Presto/Trino, or Hive.
- Familiarity with TypeScript, React, or Node.js for full-stack project work.
- Exposure to infrastructure as code using Terraform or AWS CDK.
- Interest or coursework in identity verification, fraud, security, or fintech.
- Exposure to LLM APIs such as Anthropic, OpenAI, or Google Vertex AI/Gemini, or agent frameworks such as LangGraph, LangChain, or AutoGen.
- Interest in the practical aspects of AI engineering, including system unpredictability and reliability for production deployment.
Trulioo provides identity verification services to help businesses confirm identities of customers and merchants. Its core product GlobalGateway is an API that lets companies add identity checks quickly, with EmbedID for easy sign-up integration. It serves financial institutions, e-commerce platforms, online marketplaces, and government bodies worldwide, supporting onboarding from over 195 countries to meet compliance and prevent fraud. Pricing is subscription or pay-per-use, and the goal is to enable secure, compliant global onboarding through a practical API-based verification platform.
Company Size
201-500
Company Stage
Series D
Total Funding
$470.9M
Headquarters
Vancouver, Canada
Founded
2011
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Simplify's Take
What believers are saying
- July 2026 deployments lifted UBO coverage 20-80%, above 90% in hardest markets.
- A major social commerce platform started July 2026 rollout across Malaysia, Vietnam, and the U.K.
- Phoenix Digital Health chose Trulioo on April 14, 2026 for Canadian telehealth onboarding.
What critics are saying
- Registry-only UBO research misses owners in under 5% of hard markets.
- TransUnion and other risk vendors can bundle credit, fraud, and identity workflows faster.
- If Trulioo’s cited AI misclassifies ownership, regulators and banks will reject the platform.
What makes Trulioo unique
- Trulioo’s June 2021 $394 million Series D valued it at $1.75 billion.
- Its July 23, 2026 UBO Discovery Agent reconstructs ownership with governed, cited AI.
- Trulioo’s 15-year Business Graph and 195-country coverage create deep data-network effects.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
401(k) Retirement Plan
401(k) Company Match
Paid Vacation
Parental Leave
Hybrid Work Options
Wellness Program
Growth & Insights and Company News
6 month growth
↓ -1%1 year growth
↓ -1%2 year growth
↑ 0%Trulioo launches AI agent to resolve beneficial ownership where global registries fall short. * AML and KYC * 24.07.2026 11:49 am Trulioo, a global risk intelligence platform, today announced the UBO Discovery Agent, the newest layer in Trulioo's UBO Discovery capability inside its business risk and Know Your Business (KYB) verification workflow. AI is reshaping fraud, making it easier for bad actors to hide, and harder for companies to catch them. This makes the already tough job of verifying who actually owns a business even more difficult. Determining a business's ultimate beneficial owner is an ongoing, acute challenge for companies: registry coverage is inconsistent across countries, and even where registries exist, they typically record shareholders and directors of record (rather than the people actually in control). That data isn't simply outdated, it reflects a structural lag: ownership changes and time passes before the filing is made and processed, so a lookup often shows who owned a business months or years ago, not who owns it today. Further, ownership chains that cross borders can break entirely once they reach a country that doesn't share the data. Until now, compliance teams attempted to rely on either a slow, manual mix of analysts and research portals, or unverified customer self-certifications. Ultimately, both approaches are highly inefficient and fail to ensure regulatory compliance. The UBO Discovery Agent offers teams with a better alternative, extending Trulioo's existing UBO discovery capability, which is based on authoritative registry data, as well as Trulioo's proprietary Business Graph, built from more than 15 years of matching ownership records across global markets. The agent automates business ownership discovery, using governed AI to intelligently reconstruct ownership across jurisdictions and fragmented sources, filling the gaps left by registries. In early deployments, the UBO Discovery Agent has boosted UBO coverage by 20-80% compared with registry-only research, meaning it identified at least one owner. In the hardest markets, where registry-only lookups return usable ownership data on well under 5% percent of businesses, the Agent has lifted coverage above 90%. For Trulioo customers, that means fewer stalled onboarding cases, lower cost per case, and the ability to expand into markets like the U.S., Latin America and Asia Pacific - where registries are weakest - without adding a new vendor relationship or additional headcount. "Registries capture who owns a company on paper. They don't keep up with how fast that ownership actually changes, and in plenty of markets, they were never built to name a person at all, just the next company in the chain," said Zac Cohen, Chief Product Officer at Trulioo. "The UBO Discovery Agent exists for the moment a registry runs out of answers. It isn't a general model pointed at the open web: it's built with jurisdiction-specific logic for how ownership actually gets recorded, market by market. It researches ownership the way a skilled analyst would, at a scale no analyst team can match. And when it can't find a defensible answer, it says so instead of guessing. That's the difference between an answer compliance teams can defend and one they just got quickly." One of the world's largest social commerce platforms is the first enterprise customer to deploy the UBO Discovery Agent, rolling out across Malaysia, Vietnam and the U.K. starting in July 2026. All three are difficult markets for ownership research, and in a head-to-head evaluation, Trulioo led every one of the customer's priority markets on coverage. The Agent was the deciding factor: the sole viable solution in one market and the top-performing source in the other two. With a compliance-first architecture, the Agent is built to deliver results that regulators can trust. Every finding is anchored in verifiable, cited evidence from four rigorous source categories: official registries, commercial data providers, legally mandated disclosures, and open-source intelligence, and never relies on inferred guesswork. By providing a transparent, evidence-based audit trail for every ownership determination, the Agent empowers teams to maintain ongoing regulation readiness. The UBO Discovery Agent is the latest expansion of Trulioo's UBO Discovery capability, and the first in a planned series of AI agents Trulioo is building across its identity, fraud, and business risk platform, aimed at doing the investigative work compliance teams have historically had to do by hand.
Trulioo, a global identity verification platform, reported 51% year-over-year growth in Asia-Pacific business verification volume in 2025, driven by innovations in Ultimate Beneficial Owner (UBO) discovery. The company's AI-assisted engine combines global data sources to resolve incomplete ownership information across fragmented markets. Trulioo achieved significant improvements in UBO coverage, reaching 98% in Vietnam, 70% in the Philippines and 81% in Singapore, with overall coverage of 85% across tested markets. For one major social media platform, the company delivered a 40% improvement in UBO coverage. The advancements enable organisations to onboard businesses faster, reduce manual review and strengthen compliance outcomes in markets where traditional Know Your Business approaches struggle with inconsistent ownership data.
Trulioo partners with Phoenix Digital Health to strengthen patient trust and Access to virtual care in Canada. April 14, 2026 Leading Digital Healthcare Provider Selects Trulioo Identity Verification to Reduce Fraud, Support Compliance and Accelerate Access to Care VANCOUVER, British Columbia, April 14, 2026 - Trulioo, a leading global platform for identity verification, fraud prevention and credit decisioning, today announced its partnership with Phoenix Digital Health Inc. ("Phoenix"), Canada's leading telehealth platform delivering virtual care access nationwide. Phoenix has selected Trulioo KYC Documents to verify patient identities at onboarding, reducing fraud and enabling faster access to medical services for patients across its Phoenix and Raven brands. As Phoenix continues to expand its services across Canada, it remains increasingly important to maintain patient trust and platform integrity. To further strengthen compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), Phoenix required a trusted identity verification partner with Canadian data hosting capabilities and a strong commitment to data integrity to ensure patient information remains secure and within the country. "We chose Trulioo for its ability to deliver a best-in-class patient experience without compromising safety, security or regulatory rigor." said Lucas Playford, Vice President of Product at Phoenix. "At Phoenix, becoming Canada's most trusted healthcare company starts with protecting patients from day one. This partnership enables a seamless, secure onboarding experience for people across Canada while supporting Canadian innovation, closely aligning with our commitment to building patient-centric products grounded in privacy, security and trust." Trulioo KYC Documents combines advanced document capture with automated verification technology, enabling fast, accurate identity checks that support compliance and streamline access to care. By implementing document-based identity verification, Phoenix can confidently verify patient identities while reducing manual reviews, accelerating access to care, and delivering a seamless onboarding experience. "Digital healthcare providers like Phoenix are redefining how Canadians access care, but that innovation must be built on a foundation of trust," said Vicky Bindra, Trulioo CEO. "We're proud to support Phoenix with identity verification that helps safeguard patient data, meet regulatory requirements and enable secure, seamless access to care. Together, we're setting a new standard for trusted, accessible digital healthcare in Canada." About Phoenix Digital Health Inc. Phoenix is a leader in Canada's digital health space. Its Phoenix and Raven platforms help patients access healthcare services and treatment options, with free, discreet shipping of prescription medication from coast to coast. Visit phoenix.ca and getraven.com to learn more. About Trulioo: Trulioo is an industry-leading onboarding platform, trusted by global enterprises for their identity verification, fraud prevention and credit decisioning needs. Offering business and person verification across the globe, Trulioo covers 195 countries and can verify more than 14,000 ID documents and 700 million business entities while checking against more than 6,000 watchlists. Trulioo enables global companies to prevent fraud and inform credit decisioning through hundreds of predictive risk signals, consortium data and industry-specific machine learning models. Its comprehensive suite of in-house capabilities, integrated across a single automated platform, powers customizable onboarding workflows tailored to meet any market requirement. Combining its state-of-the-art technology with deep expertise across diverse regions, Trulioo enables the highest assurance levels across verification and decisioning, optimizing onboarding costs and fostering trust in the global digital economy. Media Contacts:
Trulioo appoints Uri Zelmanovich as CFO amid major leadership expansion. Vancouver-headquartered Trulioo continues to tap former talent from Nuvei and Trustly as part of Vicky Bindra's first year as the company's new CEO, including the addition of revenue chief Craig McDonald in January. March 17, 2026 Image: LinkedIn Trulioo, an identity verification and fraud prevention firm, has actioned a number of high-profile changes among its executive ranks, with new appointments entering across risk, transformation, and finance functions. Most notably, Uri Zelmanovich has been named as the company's new CFO, taking over from Leigh Ramsden, who has filled the position since November 2020. Zelmanovich joins directly from open banking payments provider Trustly, where he has spent the last three years working as CFO. He also brings experience from Early Warning, PandoLogic, and TMP Worldwide. In a statement, Trulioo says this appointment will "focus on reinforcing financial rigor, capital discipline and operational leverage". The company reported a 102% year-over-year increase in US KYB transaction volume in October. Elsewhere, Chad Gerhardstein takes on the newly-expanded executive role of chief risk and strategy officer. Gerhardstein previously served as chief compliance officer at Worldpay, and most recently, global chief risk and compliance officer at Nuvei. Trulioo says he will "advise customers on evolving risk frameworks and align strategic objectives with product development" in his oversight of the company's global risk, privacy and regulatory programmes. Also joining Trulioo from Nuvei is Danielle Holbrook Dunn, who will now serve as chief transformation officer. She brings experience in value creation planning and AI enablement in fintech, with Trulioo taking special note of her proven capabilities in "post-acquisition integration execution". This new position will "lead enterprise-wide transformation initiatives to scale operations and advance the company's next phase of global growth and operational maturity", the statement continues. The three executive additions will work under Vicky Bindra, who succeeded Steve Munfond as CEO of Trulioo in April last year. Bindra is a veteran of the fintech industry, and leads with experience from Mastercard, Visa, Billtrust, Pine Labs, FIS, and, perhaps unsurprisingly, Nuvei, where he spent two years as chief operating and product officer. The Trulioo C-suite also features chief product officer Zac Cohen, chief technology officer Hal Lonas, and Craig McDonald, who was brought in as chief revenue officer in January following a six-year career at Trustly. Together, they operate a platform that verifies individuals and businesses through data-source, document and biometric checks, sanctions and PEP screening, and ongoing monitoring to support KYC, KYB and AML compliance. Trulioo, headquartered in Vancouver, Canada, was last valued at $1.75 billion through a $394 million Series D funding round led by TCV in June 2021. Other existing backers include Citi Ventures, Blumberg Capital, Mouro Capital, American Express Ventures, and BDC Venture Capital, a former majority shareholder of Trustly prior to the acquisition by Nordic Capital in March 2018. Reporter, FinTech Futures Tyler Pathe is a financial reporter, moderator and investigator with a specific interest in financial technology, banking and the financial industry's latest innovations. Webinar | 26 March | The future of fintech marketing: Strategies for success in 2026 Join us to explore the future of fintech marketing and unlock strategies for success in 2026!
Trulioo, a global identity verification and fraud prevention platform, has appointed three senior executives: Chad Gerhardstein as chief risk and strategy officer, Danielle Holbrook Dunn as chief transformation officer, and Uri Zelmanovich as chief financial officer. The appointments come as the company experiences accelerating enterprise demand. Trulioo has recently improved its platform performance, reducing Know Your Business processing times from six seconds to 3.3 seconds and cutting document verification auto-response times by 60% through machine learning. Gerhardstein joins from Nuvei, where he served as global chief risk and compliance officer. Holbrook Dunn also comes from Nuvei, where she was chief transformation officer. Zelmanovich previously served as chief financial officer at Trustly, Inc. The company supports identity verification across 195 countries.