Senior Software Engineer I, Payments

Team: IT

Location: US

Commitment: Full-time

Workplace Type: remote

Accountabilities:

• Design, build, maintain, and scale systems supporting ACH and wire transfers, including origination, settlement, reconciliation, and exception handling.
• Develop and strengthen payment-processing pipelines integrating with banking partners, payment rails, and third-party financial APIs.
• Implement and improve controls for wire fraud prevention, transaction verification, and anomaly detection in collaboration with security and compliance teams.
• Extend and maintain core frontend and backend applications supporting escrow accounting and closing-day money movement.
• Own and contribute to architectural decisions covering data integrity, idempotency, retry strategies, failure handling, and audit logging.
• Partner with Compliance, Risk, Accounting, and other stakeholders to ensure payment systems meet regulatory, operational, and audit requirements.
• Support compliance with standards and requirements such as NACHA rules, wire fraud regulations, and SOC 2 controls.
• Participate in an on-call rotation for payment-critical systems and respond methodically to production issues affecting financial transactions.
• Collaborate with product, design, compliance, and customer-facing teams to deliver reliable payment experiences.
• Mentor junior developers and contribute to engineering practices across teams of different sizes.

Requirements:

• 5+ years of experience as a full-stack web developer with demonstrated ownership of complex production systems.
• Experience building or maintaining money-movement systems in banking, fintech, payment processing, or other regulated environments is strongly preferred.
• Strong understanding of transactional integrity, idempotency, failure-mode design, and reliability in financial systems.
• Experience making architectural decisions for large, complex, or high-stakes engineering projects.
• Familiarity with payment rails, banking APIs, and financial compliance standards such as NACHA, OFAC screening, PCI, or SOC 2 is a strong plus.
• Strong full-stack development capabilities using JavaScript, TypeScript, and Node.js.
• Experience with SPA frontend technologies such as React or MeteorJS.
• Experience with MongoDB and microservice architectures.
• Experience working with Kubernetes and AWS-based environments.
• Demonstrated ability to take end-to-end ownership of technical projects and production systems.
• Experience mentoring junior engineers and collaborating effectively across multiple engineering teams.
• Strong product judgment, attention to detail, and a focus on building reliable systems that users can trust with sensitive financial transactions.
• Strong communication and collaboration skills, particularly when working across engineering, product, compliance, security, and customer-facing functions.

Benefits:

• Remote-first work environment with flexibility in how teams operate.
• Comprehensive health plans.
• 401(k) program.
• Commuter benefits.
• Parental leave.
• Flexible time-off policy.
• Professional development opportunities.
• Robust online onboarding program for new hires.
• Biweekly company-wide meetings and internal virtual events that support connection across distributed teams.
• Opportunity to work on high-impact payment infrastructure processing significant transaction volumes.
• Collaborative environment with opportunities for technical ownership, mentorship, and cross-functional work.