Responsibilities
- Lead the architecture of a double-entry, multi-partner sub-ledger system that supports new payment methods, product expansions, and international partners.
- Design an integration layer for multiple sponsor banks that allows adding, replacing, or rerouting connections without modifying core product logic.
- Architect inline financial compliance checks—including OFAC, BSA/AML, and internal fraud models—with sub-second response times on every transaction.
- Transition from nightly batch reconciliation to continuous reconciliation with automated detection, categorization, and resolution of discrepancies.
- Redesign the disbursement engine as a ledger-based, idempotent, and rail-agnostic system that treats originations, returns, reversals, refunds, and recoveries as distinct events.
- Own the end-to-end platform for initiating, settling, reconciling, and recovering funds across ACH (standard and same-day), RTP, FedNow, domestic and international wires, and checks.
- Serve as the technical authority on U.S. payment systems, translating operational details into robust and maintainable system designs.
- Establish high standards for financial code correctness using property-based testing, detailed design documentation, simulation tools, and continuous reconciliation.
- Manage the engineering relationship with sponsor banks, including data formats, cutoff schedules, outage responses, exception handling, and abstraction layers for fast onboarding.
- Design the integration of sanctions screening into settlement workflows, ensure full traceability of funds, embed BSA/AML signals into real-time decisions, and implement regulatory requirements like Reg E, Reg CC, and NACHA rules as system behaviors.
- Collaborate with data science and trust & safety teams to incorporate real-time risk intelligence into every transaction decision.
- Present data-driven insights and tradeoffs to leadership on long-term strategy, build-vs-buy choices, new rail adoption, ledger evolution, and platform investments.
- Ensure operational excellence in financial systems through observability, incident response, production readiness, and comprehensive telemetry for on-call engineers.
Benefits
- Flexible vacation policy
- 12 company-recognized holidays
- 10 paid sick days annually
- No work required on employee birthdays
- Health, dental, and vision insurance with a zero-premium option available
- 401(k) plan with immediate matching contributions
- Equity compensation
- Life insurance coverage
- Generous paid parental leave
- Annual wellness reimbursement of $300
- Annual remote work stipend of $300
- Professional development reimbursement
- Competitive salary
- Award-winning workplace culture
Compensation
Competitive pay with equity, 401(k) matching, and comprehensive benefits
Work Arrangement
Remote (Worldwide)
Team
Engineers work in a dynamic environment focused on security, fraud prevention, and building resilient financial infrastructure
Culture
Recognized as one of the Best Startups to Work for in Austin, included in the Inc. 5000, and awarded Best Culture by Purpose Jobs for three consecutive years. The environment supports meaningful impact and collaboration within a team committed to security and fraud prevention.
Other
- Don't meet every requirement? Apply anyway—we value potential and diverse backgrounds.
- We seek individuals who are motivated to learn, adapt, and solve complex problems—your initiative matters more than a checklist.
- Growth happens collectively; we evolve together by embracing our core values.
- Core values: Guard the Customer, Raise the Bar, Influence Outcomes, Teamwork Wins
Not specified
