Senior AI Engineer (Risk & Payments)

About Airwallex Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,700 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles to see it in full. How you'll make impact You'll translate complex risk and payment problems into production-ready AI agent solutions that improve decision-making and workflow automation. Design, build, and deploy intelligent systems using agentic frameworks, advanced orchestration, pragmatic model selection, and techniques such as prompting, retrieval-augmented generation, and fine-tuning. Architect AI systems for reasoning, tool use, and multi-step workflow execution, with the reliability, scalability, security, and compliance required in financial services. Build evaluation, monitoring, and governance capabilities that help AI systems improve safely with usage and deliver compounding value over time. Partner with backend and frontend engineers to integrate AI reasoning into secure, production systems across risk management and payment processing. This role is based in Singapore, and you'll work in the office five days a week. What we're looking for Essentials 2+ years of experience in applied AI or machine learning engineering, including production deployments. Strong Python skills and experience with machine learning frameworks such as PyTorch or JAX. A track record of building and deploying AI agents, orchestration frameworks, or multi-step reasoning systems for concrete business problems. Experience with agentic frameworks such as LangChain, LlamaIndex, AutoGen, CrewAI, Semantic Kernel, or comparable open-source stacks. Experience applying techniques across the AI spectrum, including prompting, retrieval-augmented generation, and fine-tuning. Strong understanding of monitoring, evaluation, and iteration in production AI systems. Ability to balance innovation with reliability, scalability, security, and compliance. Preferred Experience building AI systems for risk management, payments, fraud prevention, or another highly regulated domain. Experience designing AI systems that use tools and operate across multi-step workflows. Experience building AI evaluation frameworks, monitoring systems, or governance controls. Experience working closely with backend and frontend engineers to integrate AI capabilities into production products. You'll thrive here if You're comfortable making decisions with incomplete information and moving quickly anyway. You're comfortable with ambiguity. Give you a problem, not a prescription, and you'll run with it. You hold yourself to a high standard even when no one is watching. Quality and accountability aren't external expectations, they're internal ones. You say what you mean. You're direct, but you lead with respect. You simplify complexity rather than hiding behind it. You value in-person collaboration and are happy being in the office five days a week. Learn more about your team Risk Platform builds the decisioning infrastructure that sits between Airwallex and every dollar that moves through it, protecting 150,000+ businesses moving over US$260 billion a year across 150+ countries and 60+ currencies, and deciding, often in milliseconds, whether a new signup is real, a payment is safe, or a login is who they claim to be. The hard part is that fraud evolves fast, and every decision carries a two-sided cost: miss an attack and money is lost, over-block and a legitimate business can't get paid. We build this with streaming pipelines processing billions of events a day, graph databases exposing coordinated fraud rings, ML models scoring every transaction, and LLM agents that triage alerts. You don't need a fintech background, just an appetite for adversarial systems problems where the scoreboard is measured in dollars. If you want to help scale one of the world's fastest-growing financial platforms safely, this is the team. Applicant Safety Policy: Fraud and Third-Party Recruiters To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @ airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page. Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary. Equal opportunity Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don’t regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.