Full-Time

Staff Data Engineer

Data Engineering

Updated on 8/20/2026

Early Warning

Early Warning

1,001-5,000 employees

Fraud prevention and identity verification platform

Compensation Overview

$124k - $223k/yr

+ Discretionary incentive plan + 401(k) match

No H1B Sponsorship

San Francisco, CA, USA + 3 more

More locations: Chicago, IL, USA | Scottsdale, AZ, USA | Phoenix, AZ, USA

Hybrid

Hybrid work model applies in Scottsdale, San Francisco, Chicago, and New York.

Bachelor's, Master's, PhD

Category
Data & Analytics (1)
Required Skills
RabbitMQ
Scikit-learn
Kubernetes
Microsoft Azure
Agile
Python
Distributed Systems
Data Science
TensorFlow
R
Apache Spark
Machine Learning
Apache Kafka
ETL
Data Engineering
Microservices
AWS
Elasticsearch
AppDynamics
SCRUM
DevOps
Oracle
Google Cloud Platform

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Requirements
  • A Bachelor's degree in computer science or a related technical field, or equivalent experience.
  • At least eight years of relevant experience.
  • At least seven years of experience developing complex data platforms, distributed systems, software-as-a-service, cloud solutions, or microservices.
  • At least six years of experience developing data warehouses, big-data structured and unstructured platforms, real-time and batch processing, and data standards.
  • At least four years of experience developing business intelligence solutions.
  • At least two years of experience developing or operationalizing artificial intelligence or machine learning models, including feature engineering, data pipelines, model operationalization, and model monitoring.
  • Demonstrated experience delivering business-critical systems to market.
  • Experience designing and developing scalable systems.
  • Extensive experience implementing data warehouses using star or snowflake schemas with SQL Server or equivalent, big-data platforms using HDFS, Elasticsearch, extract-transform-load processes using IBM InfoSphere or equivalent, and reusable frameworks.
  • Experience implementing data science solutions using Python, Spark, PySpark, R, and DataRobot.
  • Experience with event-driven architecture and messaging frameworks such as Pub/Sub, Kafka, and RabbitMQ.
  • Working experience with cloud infrastructure such as Google Cloud Platform, Amazon Web Services, or Microsoft Azure.
  • Knowledge of mature engineering practices, including continuous integration and continuous delivery, testing, and secure coding.
  • Knowledge of software development lifecycle best practices, software development methodologies such as Agile, Scrum, and Lean, and DevOps practices.
  • Ability to pass a background and drug screen.
Responsibilities
  • Build data strategy for broad or complex requirements using forward-looking approaches that solve large open-ended problems beyond the direct team.
  • Participate in the strategic development of methods, techniques, and evaluation criteria for projects and programs.
  • Drive technical and data architecture, design, prototyping, and implementation for product needs and the overall technology data strategy.
  • Provide leadership and technical expertise to build technical plans and backlogs, and execute design and build processes through production delivery.
  • Guide a broad functional area and lead efforts through functional team members and the team's overall planning.
  • Represent engineering in cross-functional sessions and present arguments to influence agreement or behavior change.
  • Collaborate with product managers, designers, and engineering groups to conceptualize and build features and create product descriptions.
  • Own features or systems, define their long-term health, and improve surrounding systems.
  • Assist support and operations teams in identifying and resolving production issues.
  • Develop and implement tests to ensure application quality, performance, and scalability.
  • Improve engineering and data standards, tooling, and processes.
  • Support the company's risk management commitment and protect the integrity and confidentiality of systems and data.
Desired Qualifications
  • A Master of Science or PhD.
  • Experience using artificial intelligence and machine learning model frameworks such as TensorFlow, SageMaker, scikit-learn, and PyCharm.
  • Experience with big-data platforms such as Cloudera and S3.
  • Experience with Oracle and SQL Server database platforms, including performance and replication.
  • Experience with Python, PySpark, and R.
  • Knowledge of Aerospike, Scality S3, and Elasticsearch.
  • Experience with monitoring and alerting systems such as AppDynamics or other observability measures.
  • Knowledge of ACH/EFT.
  • Knowledge of real-time payment networks such as RTP and FedNow.
  • Experience developing or operationalizing artificial intelligence or machine learning models, including feature engineering, data pipelines, model operationalization, and model monitoring.
  • FinTech experience.
  • Kubernetes experience.

Early Warning provides fraud prevention, identity verification, and risk management solutions for financial institutions, government entities, and payment companies in the United States. It operates by a bank-to-bank data-sharing network and acts as a nationwide specialty consumer reporting agency, managing and stewarding data to create a single view of fraud activity and enable real-time payments, deposit and check validation, and verification. Its strength lies in bank-to-bank data sharing and data stewardship across the banking industry, offering cross-functional fraud visibility for real-time payments and deposits. The goal is to prevent deposit losses and financial crime by delivering trusted data, risk insights, and verification capabilities across the US financial system.

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

$22.9M

Headquarters

Scottsdale, Arizona

Founded

1990

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Simplify Jobs

Simplify's Take

What believers are saying

  • Citi adopted Paze on March 17, 2026, broadening distribution to millions of cardholders.
  • On June 11, 2026, Zelle announced India expansion and ZelleUSD stablecoin.
  • Zelle processed $1.2 trillion in 2025, up 20% by February 11, 2026.

What critics are saying

  • Judge Phaedra Perry-Bond kept New York's fraud suit alive on July 22, 2026.
  • The suit alleges $1 billion stolen and demands restitution plus mandatory anti-fraud changes.
  • Discovery could expose internal emails showing early safeguards were ignored, intensifying bank-owner pressure.

What makes Early Warning unique

  • Seven-bank ownership gives Early Warning privileged data-sharing across Bank of America, JPMorgan, Wells Fargo.
  • Zelle and Paze combine instant payments, checkout, and fraud intelligence in one operator.
  • Its network scale reached 151 million users and $1.2 trillion sent in 2025.

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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

Yahoo Finance
Jun 27th, 2026
New York AG sues Zelle for allegedly allowing fraudsters to steal $1B from consumers

New York Attorney General Letitia James has sued Early Warning Services, Zelle's parent company, alleging the payment platform failed to implement safeguards that allowed fraudsters to steal over $1 billion between 2017 and 2023. The lawsuit claims Zelle's rushed launch led to design flaws including quick registration and lack of verification. EWS is co-owned by seven major banks, including Bank of America, JPMorgan Chase and Wells Fargo. The suit follows a similar case by the Consumer Financial Protection Bureau, which was dropped after the agency faced significant restructuring under the Trump administration. James's lawsuit seeks restitution for affected New Yorkers and a court order requiring anti-fraud measures. A Zelle spokesperson called the lawsuit a "political stunt". Zelle had 151 million users as of 2024.

Boland Hill Media, LLC
Jun 12th, 2026
Zelle's foray into India and other digital transactions news briefs from 6/12/26.

Zelle's foray into India and other digital transactions news briefs from 6/12/26. * Early Warning Services LLC said India is the first country outside the United States where U.S. users of the Zelle peer-to-peer payments service can send remittances. Simultaneously, Early Warning introduced its first stablecoin, ZelleUSD, aimed at international payments from U.S. users. * Stable, a blockchain network featuring the stablecoin USDT, has joined the Mesh Alliance Program as a Gold member. The effort is expected to help enable enterprise companies to connect more directly to transactions using USDT. * E-commerce technology developer Shopware has launched Shopware Payments, based on technology from PayPal. * Bridge, a technology developer for health care, launched its Patient Access and Revenue Suite, which includes embedded-payments capabilities and digital wallets. * Cryptocurrency payments company BitPay marked its 15th year in business and said it has processed more than 900,000 transactions so far this year, up 12% from this time last year. Stablecoins account for nearly half of that volume, the company said. * Block Inc.'s Square point-of-sale payments platform has launched Square High Yield Savings, which offers Square merchants a 3.5% average yield if they maintain a daily balance of at least $10,000 or more in a Square Savings account. * Nacha, the governing body for the automated clearing house network, said it has named Backpack a preferred partner for ACH experience, open banking, and risk and fraud prevention. Backpack specializes in payments for higher education. Preferred partners "offer products and services that advance the ACH network," Nacha said. * Power Financial Credit Union has chosen the NCR Atleos Corp. and Allpoint+ networks to widen its cash-access services for customers. * "High Risk Merchant Accounts 101: The Essential Guide to Payment Processing in High Risk & Regulated Industries," a book published by SoarPay, has achieved best-seller status on Amazon since its release in May, according to authors Adam Carlson, SoarPay's chief executive, and entrepreneur Andy Hagans.

Associated Press
Jun 11th, 2026
Zelle launches India expansion and ZelleUSD stablecoin after moving $1.2T in 2025

Zelle will expand to India later this year, marking the peer-to-peer payment service's first international market since launching nine years ago. Early Warning Services, which operates Zelle, selected India as its starting point because roughly a third of annual remittances to India originate from the United States. The company plans further international expansion and will create ZelleUSD, a US dollar-backed stablecoin to support operations in other markets. Zelle processed over $1.2 trillion in transfers during 2025, making it one of America's most popular direct payment services. The expansion follows years of scrutiny over fraud and unauthorised transfers. A Consumer Financial Protection Bureau lawsuit filed in December 2024 was dropped in March 2025, though New York Attorney General Letitia James's similar lawsuit continues. Early Warning Services is owned by seven major banks including JPMorgan Chase and Bank of America.

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.

PR Newswire
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