Pay is generally based upon the level, complexity, responsibility, location and job duties / requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

About OnePay

OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.

Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:

• Checking and high-yield savings accounts

• Domestic and international peer-to-peer payments

• Credit Builder and credit score monitoring

• Digital wallet / contactless payment solutions

• Credit card program

• Buy-now-pay-later installment loans at Walmart

• Prepaid mobile service

Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.

There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!

The Role

As an AI Research Intern, your mandate is to research agentic AI use cases for customer facing product features and develop a working prototype. This role will impact OnePay’s vision by providing 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:

• Opportunity to work in an extremely fast paced growing company

• Design, build and productionize cutting-edge models.

• 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.

You Bring

• Pursuing a Bachelor’s Degree: You’re a new graduate or current student expected to graduate in the Fall 2026/Spring of 2027 majoring in computer science, data science, operations research, applied math, stats, physics, or related technical field.

• 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.

• Availability: You are available to work in our New York City office at least 3-4 days a week throughout the summer.

Nice to Have:

• Completed a course or worked on a project related to Large Language Models (LLMs) or Generative AI.

What We Offer

• Compensation for role is $29 per hour

• Early access to a high potential, high growth fintech

• Beautiful Tribeca Office

• Fully stocked kitchen with beverages and snacks

• Weekly professional development and team social outings

Program Duration

• June-August 2026

Standard Interview Process

• Initial Interview with Talent Partner

• Technical or Hiring Manager Interview

• Team Interview

• Executive Interview

• Offer!

Equal Employment Opportunity

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.