AI Research Intern

About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken with 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.

Backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, OnePay boasts rare scale, distribution, and the opportunity to build something truly category-defining.

What truly sets OnePay 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, and comfortable operating in motion.

The Role: AI Research Intern

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.

Key Responsibilities

• 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.

What You Bring

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

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.

Key Skills/Competency

• AI Research
• Agentic AI
• Machine Learning
• Deep Learning
• Natural Language Processing
• Prototype Development
• Data Science
• Computer Science
• Fintech
• Problem Solving