AI Research Intern

One Pay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets One Pay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

• Ready to run

• Hungry and driven by urgency

• Exceptional at what they do, with low ego

• Comfortable operating in motion

As an AI Research Intern, your mandate is to research and prototype foundation models, both transformer-based and graph-based, applied to One Pay's customer, transaction, and merchant data. You'll work on real modeling problems and build a working prototype that demonstrates the approach. This role will impact One Pay's vision by providing a remarkable customer experience, driving positive business outcomes, and improving operational efficiency.

You will work closely with the product, engineering and applied science team(s) working across all business units. This role reports to the Head of AI/ML.

This role is responsible for:

• Research, design, and train foundation models on One Pay's data, working with transformer and/or graph-based architectures.

• Run experiments, evaluate results rigorously, and turn promising findings into a working prototype.

• Opportunity to work in an extremely fast paced growing company

• Partner with Product, Engineering and Analytics teams to ensure we are providing a remarkable customer experience.

• Driving significant impact on the company’s bottom line.

• Final-Year Graduate Student: You’re in the final year of a master’s or PhD program, expected to graduate in Fall 2027 or Spring 2028, majoring in Engineering or a related field.

• Deep Learning Fundamentals: You have a strong grasp of how neural networks work under the hood, including back propagation, attention, embeddings, optimization, and training dynamics. You've implemented, trained, or fine-tuned models yourself through research, coursework, or personal projects, and you're comfortable working in PyTorch or an equivalent framework.

• Prior
  
  Experience:
  
  You've completed at least one previous internship in research, machine learning, or software engineering, or have built substantial personal or academic projects you're excited to talk through.

• Availability: This is a full-time, 8-week program running June 21 - August 13, 2027. You are available to work in our New York City office at least 3-4 days a week throughout.

• Proactive & Collaborative Attitude: You have an act-like-an-owner mentality, thrive in a fast-moving environment, and enjoy working with others to achieve collective goals.

• Critical Thinking & Problem-Solving
  
  Skills:
  
  You enjoy tackling complex challenges, analyzing problems, and developing solutions. Clear communication of ideas is one of your strengths.

• Organized & Detail-Oriented: You’re a keen listener with strong organizational skills, capable of managing multiple tasks efficiently.

• Excited to Learn & Grow: You are passionate about being part of a rapidly growing start-up and look forward to expanding your skills in a real-world setting.