GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. 

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK, with additional offices in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help! 

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply!

The role

This role will be working with the Merchant Risk Monitoring team. The team is responsible for our risk monitoring tooling, allowing us to identify fraudulent, or behaviour that is not compliant with our financial regulators rules. The team takes architectural ownership of the constantly evolving risk landscape, delivering best-in-class solutions for internal risk controls.

You’ll collaborate closely with stakeholders in Fraud, Compliance and Operations. Your team will contribute to various codebases across the whole product, we are responsible for the integrations with external risk management tools (ThreatMetrix), company registries (Companies House), transaction monitoring, the customer dashboard etc. The team has already demonstrated a significant impact, saving GoCardless numerous hours through productivity enhancements and reducing risk and fraud exposure by millions.

We primarily use: Ruby on Rails, React, TypeScript, Postgres, BigQuery and numerous Google Cloud Platform components. 

What excites you 

• Shipping stuff - you’ll work with your team to support changes to completion, delivering consistent positive impact across your product area. 
• Growth mindset - motivated by driving concrete business outcomes.
• Raising the technical bar - you insist on high standards of technical design and implementation and ensure your systems are operationally excellent. You adapt to new technologies and processes quickly.
• Building for scale and autonomy - using modern technology and tooling.
• Collaborative environment - you believe the best products are built through collaboration.

What excites us  

• Professional experience in coding and a motivation to use Ruby on Rails for backend and JavaScript/React on frontend, and a commitment to building reliable, well-tested systems.
• Enthusiasms about working in a strong culture of experimentation, testing and learning - to help us in experimenting ways to grow our product!
• You care about building reliable, well-tested systems.
• You enjoy solving problems and are happy to take initiative to find better solutions.

Salary range: €2,933 - €4,400 gross monthlyBase salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

• Wellbeing: Dedicated support and medical cover to keep you healthy.
• Work Away Scheme: Work from anywhere for up to 90 days in any 12-month period.
• Hybrid Working: Our hybrid model offers flexibility, with in-office days determined by your team.
• Equity: All permanently employed GeeCees get equity to share in our success.
• Parental leave: Tailored leave to support your life's great adventure.
• Time Off: Generous holidays, 3 volunteer days, and 4 wellness days annually.

We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

We’re building the payment network of the future, and to achieve our goal, we need a diverse team with a range of perspectives and experiences. As of July 2024, here’s where we stand:

• 45% identify as women 
• 23% identify as Black, Asian, Mixed, or Other 
• 10% identify as LGBTQIA+ 
• 9% identify as neurodiverse 
• 2% identify as disabled 

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report 

We’re committed to reducing our environmental impact and leaving a sustainable world for future generations. As co-founders of the Tech Zero coalition, we’re working towards a climate-positive future. Check out our sustainability action plan here. 

Find out more about Life at GoCardless via X, Instagram and LinkedIn.