About this role.
Phantom is hiring a Staff Full Stack Engineer to establish and build a high-impact Trust, Safety & Risk engineering function for its crypto wallet and financial-product ecosystem. The role develops real-time fraud controls, scam and abuse detection, identity and compliance systems, data pipelines, and internal investigation tooling. It requires broad full-stack capability across frontend, backend, APIs, third-party integrations, and data-intensive production systems. The engineer will partner closely with Product, Risk, Compliance, Support, and Security teams while balancing user experience, operational complexity, and financial risk. This is a senior individual-contributor role requiring strong ownership, technical judgment, and experience operating reliable systems at scale.
Role DNA
A quick view of the complexity, pace, ownership and collaboration implied by the job description.
Job Complexity
5/5Pace & Pressure
5/5Autonomy Level
5/5Communication Load
5/5Salary analysis
Estimated compensation compared with the broader US market for similar roles.
Core skills
Skills and capabilities most closely associated with this opportunity.
Sample interview questions
I would begin by defining the decision latency, loss, approval-rate, and review-capacity targets. The architecture would combine transaction context, account history, device and behavioral signals, external identity data, and rule or model outputs into a versioned decision service that returns approve, decline, step-up, or review outcomes. I would also build audit logging, feature monitoring, replay capabilities, and controlled experimentation so thresholds can be adjusted safely as fraud patterns change.
I would use a risk-based approach rather than imposing the same friction on every user. Low-risk flows should remain simple, while elevated-risk signals can trigger progressive verification, transaction holds, or enhanced due diligence. I would partner with Compliance and Product to define clear policy requirements, measure abandonment and false-positive rates, and iterate on interventions that are understandable and actionable for legitimate users.
I would prioritize a unified entity view for users, wallets, devices, transactions, alerts, and prior cases, with a complete immutable audit trail. The tool should support evidence collection, queue routing, role-based access, decision workflows, notes, escalation paths, and integrations with KYC, sanctions, blockchain-intelligence, and customer-support providers. I would design it with investigators early, instrument usage, and automate repetitive enrichment tasks while preserving human review for consequential decisions.
I would first establish a rapid triage process using reports, on-chain activity, product telemetry, and support signals to identify common wallet addresses, applications, transaction patterns, and user journeys. I would deploy layered mitigations such as warnings, transaction simulation or confirmation changes, address labeling, rate limits, and blocks where policy and confidence justify them. After containment, I would backfill detection logic, evaluate missed and false-positive cases, document the incident, and share product and operational learnings with stakeholders.
I translate the broad mission into measurable risks, prioritized capabilities, and an incremental technical roadmap. I align early with Product, Security, Compliance, Operations, and Support on ownership boundaries, service-level expectations, and decision principles, then deliver foundational systems that unlock subsequent work. I communicate trade-offs clearly, create durable standards for observability and safety, and mentor peers through design reviews and collaborative execution.
Phantom is on a mission to connect the world to the freedom of open markets. Tens of millions of people all over the world use Phantom to access global markets that never close, including perpetuals, prediction markets, tokenized assets, stablecoins and memes. Phantom users are able to discover the markets that matter and the cultural moments that shape them, building conviction through real-time data and the verified performance of top traders. With self-custody and access to open networks at its core, Phantom lets them control their financial moves in the same app they use to safely store or spend money worldwide.
Phantom has reached #1 in Google Play’s finance category and consistently ranks in the top 50 apps across all categories. Phantom partners with many of the most trusted and influential names in finance like Hyperliquid, Stripe, Kalshi and Visa, to make the most popular and innovative financial products accessible to everyone.
We are around 180 people, fully remote, backed by a $150M Series C investment from a16z, Sequoia Capital and Paradigm.
Responsibilities
As a Trust, Risk & Safety Engineer at Phantom, you’ll build the systems that safeguard our users, products, and platform. Working across the stack, you’ll detect and prevent abuse, assess emerging risks, reduce financial loss, and equip internal teams with the tools and intelligence needed to respond quickly and effectively. The ideal candidate brings high agency, a strong sense of ownership, exceptional technical judgment and product taste, a relentless work ethic, and the emotional intelligence to navigate complex, high-stakes situations.
Fraud prevention: Build real-time risk controls and decisioning systems for products such as ACH, debit cards, onramps, off-ramps, and other money movement experiences.
Scam and abuse detection: Develop signals, models, and product interventions that identify malicious wallets, transactions, applications, and user behavior.
Identity and compliance infrastructure: Build scalable KYC, sanctions screening, transaction monitoring, case management, and audit systems.
Data and intelligence: Create pipelines and tools that combine on-chain activity, product data, and third-party signals into actionable risk insights.
Product safety: Partner with product and engineering teams to design safeguards into new features from the beginning without compromising the user experience.
Operational tooling: Build internal tools that help Risk, Compliance, Support, and Security teams investigate incidents and take action efficiently.
Team building: Help establish the technical foundations and engineering culture for a new, high-impact function at Phantom.
Qualifications
Bachelor’s degree in Computer Science or a related technical field, or equivalent practical experience
8+ years of full-time software engineering experience
Experience designing and operating reliable, data-intensive production systems
Strong product judgment and the ability to balance user experience, financial risk, and operational complexity
Ability to work across frontend, backend, APIs, data pipelines, and third-party integrations
Demonstrated interest in protecting users and building trustworthy financial products
Nice to have: Experience with fraud, risk, identity, KYC, AML, sanctions, payments, fintech, or blockchain systems
English language proficiency
Why Work with Us
First impressions matter: Wallets are responsible for a users first impression with crypto and onboarding new users into crypto. By ensuring that a user has a great first-time experience with crypto, we can help supercharge the growth of the entire ecosystem.
Make crypto easier to navigate: There is no easy way for a user to discover and navigate all that crypto has to offer. Wallets have a unique opportunity to help users not only onboard to crypto but also stay retained by exploring new things to do.
We live in a multi-chain world: We currently support Solana, Ethereum, Polygon and Bitcoin with more networks to come in the new future. We are focused on creating a unified, multi-chain crypto experience for users.
Benefits
Competitive salary and equity
Comprehensive insurance (medical/dental/vision) — 100% covered
Stipend for your ideal remote set-up
Flexible hours and a supportive remote environment
Unlimited vacation: Take time when you need it (and we really mean it!)
401(k) retirement plan
Monthly wellness benefit
Weekly meal benefit
Global off-sites
The target base salary for this role will range between $200,000 to $250,000 with the addition of equity and benefits. This is determined by a few factors including your skillset, prior relevant experience, quality of interviews and market factors (such as location) at the point in time of offer.
We strongly encourage candidates of all backgrounds to apply. We believe that our work is stronger with a variety of perspectives, and we’re eager to further diversify our company. If you have a background that you feel would make an impact at Phantom, please consider applying. We’re committed to building an inclusive, supportive place for you to do the best work of your career.
By submitting your resume and application materials, you acknowledge and agree that Phantom Technologies, Inc. (“Phantom”) collects and processes your personal information (including application materials, interview records, and related data) to evaluate your candidacy. Phantom may use AI-powered tools and third-party service providers for transcription, note-taking, scheduling, and other administrative tasks. Phantom does not sell your information and your materials will be handled securely and in accordance with applicable data protection laws.
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