As a Senior Product Risk Officer, you'll be instrumental in making sure our users can use new features with confidence - no surprises, no broken flows, and no unnecessary risk. You'll be the expert who safeguards our innovation, ensuring that as we move fast, we also move smart, keeping our users' banking safe, compliant, and reliable.

Take Ownership

As a Senior Product Risk Officer, you'll play a critical role in embedding robust risk management directly into our fast-paced product development lifecycle.

• Conduct comprehensive risk assessments on new products and major changes to ensure they are safe to launch, so our users can trust that everything works as expected from day one.
• Work closely with product teams to spot regulatory issues early and fix them without slowing down innovation.
• Establish and oversee post-launch monitoring to ensure our users' banking experience stays reliable, secure, and smooth.

Requirements

• You are familiar with how a financial services business works: deposits, payments, investments, and other financial products.
• You have a solid grasp of how modern web applications work, including backends, frontends, APIs, and third-party integrations.
• You are fluent in English – able to communicate effectively in a global team, ensuring collaboration and clarity across all project stages.

Your Space to Perform

We give you the space and the tools you need to succeed.

• Great, international colleagues who share your mindset
• Hybrid setup: after 3 months in-office, work 2 days remote, 3 days in-office weekly.
• Digital Nomad Program: After your first year, enjoy up to 20 days per year to work while traveling, combining flexibility with strong team collaboration
• We reward tenure with a dedicated travel budget: €1.5k after 2 years and €3k after 4 years to visit another core office.
• We support growth with bunq Academy and €1500 annual learning budget
• Massive discount with Urban Sports Club
• Travel expenses are covered whether you come walking or by bike, bus or car (though we prefer green choices)
• A MacBook so you can Get Shit Done with us
• Delicious lunches from our fabulous in-house chefs with vegan and vegetarian options
• An optional pension plan with monthly contribution from bunq
• Monthly contribution to your phone and internet bills
• Friday drinks and other celebrations - bunq style

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Our Early Bets initiatives are critical to EarnIn's success, providing new experiences and products for our users to ensure they are empowered with a more comprehensive ecosystem of solutions.

The ideal candidate has experience building 0-to-1 products, demonstrating a strong ability to design and implement scalable architectures that support rapid product evolution.

Responsibilities:

• Partner with Product and Design to define, build, and evolve user experiences using modern frontend technologies.

• Own and evolve the frontend architecture to ensure scalability, performance, accessibility, and long-term maintainability.

• Lead the design and implementation of complex frontend systems using React, TypeScript, and Next.js, including SSR, routing, data fetching, and performance optimization.

• Establish and uphold frontend engineering standards, including patterns, tooling, testing strategies, and CI/CD best practices.

• Drive cross-team technical initiatives, aligning frontend architecture with backend APIs, platform capabilities, and product strategy.

• Proactively identify technical risks and opportunities, providing clear technical direction and tradeoff analysis.

• Mentor and guide frontend engineers, raising the bar on code quality, architectural thinking, and delivery practices.

• Design and implement robust unit, integration, and UI automation tests to ensure reliability and confidence at scale.

• Define and monitor frontend metrics (performance, reliability, user behavior) to inform product and technical decisions.

Benefits:

• Base salary range: $210,000 - $257,000

• Equity and benefits

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SpruceID builds privacy-preserving, standards-based digital identity and credentialing solutions that give individuals control of their information while enabling governments and enterprises to deliver secure, interoperable services.

The Opportunity

We're looking for multiple Full-Stack Engineers to join our forward-deployed engineering team. You'll work alongside experienced engineers and directly with state governments, public sector partners, and enterprise clients to help design, build, and deploy impactful identity solutions. This is an ideal role for a recent graduate who wants to grow quickly while working on technology that matters. You'll gain hands-on experience across the full stack, learn from senior engineers, and contribute to systems that serve millions of people.

This is a fully remote role open to candidates based in the United States.

Responsibilities

• Collaborate with customer delivery leads, engineers, and UX designers on real-world deployments.
• Build full-stack features for state governments and public sector partners, with guidance from senior engineers.
• Learn to translate customer requirements into technical solutions and production-ready systems.
• Develop backend services and web applications that meet public sector security, privacy, and accessibility standards.
• Contribute to codebases spanning backend, mobile, and browser environments.
• Participate in customer deployments and learn the full lifecycle of software delivery.
• Engage with open identity standards and privacy-focused engineering practices.

Our Commitment to Your Growth

We believe in investing in early-career engineers. As a new grad at SpruceID, you'll receive:

• Dedicated mentorship from senior engineers who will guide your technical development.
• Structured onboarding to get you up to speed on our stack, our standards, and our customers.
• Regular 1:1s and feedback to help you set and achieve career goals.
• Opportunities to own projects as you grow, with appropriate support and guardrails.
• Exposure to the full product lifecycle,from customer discovery to production deployment.

Qualifications

• Bachelor's or Master's degree in Computer Science, Software Engineering, or a related field (recent graduates welcome).
• Foundational experience with backend development in a statically typed language (Rust, Go, C#, Java, or similar),coursework, internships, or personal projects count.
• Demonstrated ability to learn quickly and work collaboratively.
• Strong communication skills and genuine interest in working with customers and stakeholders.
• Appreciation for open-source software, clean code, and thoughtful engineering.
• Based in the U.S. (or willing to relocate without visa assistance - TN are ok) and excited to contribute to impactful public sector work.

Nice to Have

• Internship or project experience in full-stack development.
• Exposure to cloud platforms (AWS, GCP, or Azure) through coursework or side projects.
• Interest in digital identity, cryptography, data privacy, or security.
• Familiarity with modern web frontends (React, TypeScript, or similar).
• Familiarity with databases (PostgreSQL), APIs (REST or GraphQL), or CI/CD concepts.
• Contributions to open-source projects or hackathon participation.
• Coursework or interest in accessibility, usability, or inclusive design.
• Any exposure to government technology, civic tech, or high-compliance environments.

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