AI Research Intern

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

The Role

As an AI Research Intern, your mandate is to research agentic AI use cases for customer facing product features and develop a working prototype. This role will impact OnePay’s vision by providing remarkable customer experience, driving positive business outcomes and improving operational efficiency. You will work closely with the product, engineering and applied science team(s) working across all business units. This role reports to the Head of AI/ML.

This role is responsible for:

• Opportunity to work in an extremely fast paced growing company

• Design, build and productionize cutting-edge models.

• Partner with Product, Engineering and Analytics teams to ensure we are providing a remarkable customer experience.

• Driving significant impact on the company’s bottom line.

You Bring

• Pursuing a Bachelor’s Degree: You’re a current student expected to graduate in the Fall 2027/Spring of 2028 majoring in computer science, data science, operations research, applied math, stats, physics, or related technical field.

• Prior Experience: You've completed at least one previous software engineering internship, or have built substantial personal or academic projects you're excited to talk through.

• Availability: This is a full-time, 8-week program running June 21 - August 13, 2027. You are available to work in our New York City office at least 3-4 days a week throughout.

• Proactive & Collaborative Attitude: You have an act-like-an-owner mentality, thrive in a fast-moving environment, and enjoy working with others to achieve collective goals.

• Critical Thinking & Problem-Solving Skills: You enjoy tackling complex challenges, analyzing problems, and developing solutions. Clear communication of ideas is one of your strengths.

• Organized & Detail-Oriented: You’re a keen listener with strong organizational skills, capable of managing multiple tasks efficiently.

• Excited to Learn & Grow: You are passionate about being part of a rapidly growing start-up and look forward to expanding your skills in a real-world setting.

Nice to Have

• Completed a course or worked on a project related to Large Language Models (LLMs) or Generative AI.

What We Offer

• Early access to a high potential, high growth fintech

• Hands on experience building product ready to ship

• Beautiful NYC SoHo Office

• Professional development and team social outings

Program & Application Timeline

• Program runs June 21 - August 13, 2027 (8 weeks, full-time, in our NYC office)

• We review applications and conduct interviews on a rolling basis as they come in

• No offer decisions will be made until the application window closes – all candidates are evaluated together before final decisions go out

• We are targeting a finalized cohort by December 1, 2026

• If there are intern spots still available, we may reopen applications in Spring 2027

Standard Interview Process

Our process varies by role. Most candidates go through:

• AI-assisted initial screen

• Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

Equal Employment Opportunity

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at [email protected].