Software Engineer - Consumer Fraud Engineering - FDP (Backend)

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work‑life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too? Work Schedule: Ally designates roles as (1) fully on‑site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need. The Opportunity At Ally, you get a startup feel, but experience the benefits of a company that has worked out the kinks and is fulfilling its purpose. We are always evolving and see that as a good thing. From owning our work to seeing its impact in the real world, our team is relentless in finding new ways technology can help make experiences better and help people. We are problem solvers, we value diverse thinking, we support one another, and we challenge ourselves to think bigger in the journey to deliver customer‑obsessed tech solutions. To read more about what our tech team does, be sure to visit our tech blog at ally.tech . Join Ally's Consumer Fraud team to build mission‑critical data platforms and APIs at the intersection of data engineering, security, and real‑time fraud prevention. You'll develop systems that aggregate and enrich behavioral, transactional, and contextual signals across Ally's digital banking ecosystem, building intelligent, AI‑enabled services that power adaptive authorization and fraud detection protecting millions of customers every day. At this time, Ally will not sponsor a new applicant for employment authorization for this position. The Work Itself As an engineer on this team, you'll tackle fascinating challenges at the convergence of fast data and security—processing massive volumes of streaming events, enriching signals with contextual intelligence, and serving insights with millisecond latency. You'll work with modern data technologies to build resilient, scalable platforms where performance and reliability directly impact our ability to keep customers safe. This is your opportunity to shape Ally’s next‑gen identity and fraud defense stack, AI‑assisted development workflows, honing your skills in security‑first design principles, distributed systems, streaming architectures, and cloud‑native development. This role offers the rare combination of high‑impact work, cutting‑edge technology, and meaningful outcomes. You'll collaborate across engineering, data science and security teams to solve complex problems that matter. Whether you're developing intelligent identity management capabilities, designing event schemas and platforms for real‑time fraud detection, or building APIs that serve critical signals, your work will be visible and valued. On this team, we believe in relentless progress balanced with sustainable pace. We support each other, celebrate wins, learn from setbacks, and foster an environment where everyone can do their best work. Our #1 goal is team success, and our people are above all else. Key Responsibilities Design and build scalable data pipelines that ingest, transform, and enrich signals from diverse sources across Ally's ecosystem. Develop streaming applications that process high‑volume event streams with low latency requirements. Create robust data models and schemas optimized for both analytical queries and real‑time serving. Write clean, tested Python code following engineering best practices and team standards. Collaborate with fraud analysts and data scientists to understand requirements and deliver solutions that drive real outcomes. Participate in architectural decisions, technical design reviews, and code reviews. Build and maintain infrastructure‑as‑code for data platform components. Monitor, troubleshoot, and optimize platform performance and reliability. Contribute to documentation, runbooks, and knowledge sharing across the team. Experiment with emerging technologies and propose innovations that enhance platform capabilities. Mentor team members and contribute to a culture of continuous learning and improvement. Skills The Skills You Bring Minimum Qualifications 7+ years of relevant experience. Bachelor’s Degree in a relevant field of study or equivalent. Preferred Qualifications 5+ years of professional software development experience with strong fundamentals in data structures and algorithms. Proficiency in Python for building data pipelines, APIs, and backend services. NodeJS, TypeScript, Java is nice to have. Strong SQL skills and hands‑on experience with PostgreSQL including query optimization and data modeling. Experience working with both relational databases (PostgreSQL) and NoSQL databases (DynamoDB) and Graph DB (Neptune) in production environments. Experience designing and implementing ETL/ELT workflows for data transformation and enrichment. Passion for writing maintainable code, automated tests, and clear documentation. Collaborative mindset with excellent communication skills across technical and non‑technical audiences. Self‑motivated learner who stays curious about new technologies and approaches. BSc/BA in Computer Science, Engineering or a related field, or equivalent practical experience. Experience building or working with streaming applications and event‑driven architectures. Familiarity with AWS data services such as Flink, Glue, Kinesis, and ElasticCache. Understanding of API design and microservices architectures. Knowledge of RESTful API Design, GraphQL and AWS AppSync for building scalable APIs. Knowledge of serverless patterns and technologies (Lambda, ECS/Fargate, etc.). Knowledge of observability tools and distributed tracing (Dynatrace, OpenTelemetry, CloudWatch, X‑Ray). Familiarity with caching strategies for authentication state (ElastiCache, Redis). Experience designing and deploying systems across multi‑region architectures. Experience with Infrastructure as Code tools like Terraform or similar. Understanding of distributed systems concepts and data engineering principles. Background or interest in cybersecurity, fraud detection, or risk management domains. Exposure to distributed messaging systems or event streaming platforms. Exposure to AI‑assisted development tools and workflows. How We’ll Have Your Back Ally's compensation program offers market‑competitive base pay and pay‑for‑performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry‑leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including: Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part‑time status and management level). Planning for the Future: plan for the near and long term with an industry‑leading 401(k) retirement savings plan with matching and company contributions, student loan paydowns and 529 educational savings assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access. Supporting your Health & Well‑being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short‑and long‑term disability, pre‑tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well‑being program that helps you and your family stay on track physically, socially, emotionally, and financially. Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back‑up child and adult/elder care days and childcare discounts. Work‑Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs. Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity. To view more detailed information about Ally’s Total Rewards, please visit this link: . Who We Are Ally Financial is a customer‑centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on “Doing it Right” and being a trusted financial‑services provider to our consumers, commercial, and corporate customers. For more information, visit . Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at View email address on click.appcast.io . Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation. Base Pay Range : $110,000 - $180,000 USD. An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer. Incentive Compensation : This position is eligible to participate in our annual incentive plan. #J-18808-Ljbffr Ally