Staff Engineer – Money, Risk & Payment Ancillaries

• Serve as senior technical leader for Money, Risk & Payment Anciliaries
• Own architecture across risk, fraud, scams, money operations, reconciliations, and chargebacks
• Set technical direction using versioned APIs and event-driven design
• Architect low-latency systems that score transactions for risk and fraud before or at authorization
• Build money operations and reconciliation systems with idempotency, exactly-once semantics, and auditable ledgers
• Design platforms for scam prevention and the chargeback and dispute lifecycle
• Design highly available, compliant, bank-grade systems for a zero-tolerance-for-failure environment
• Champion You Build It, You Run It culture, including multi-tenancy, elastic scaling, automated observability, and production ownership
• Mentor engineers and partner with Product, Data/ML, Compliance, and Staff Engineers on complex cross-team work
• Use AI-assisted tooling across design, implementation, testing, and review, and shape unit adoption
• Lead architecture of at least one core capability within the first 6–12 months

• Extensive software engineering experience, with deep expertise in Go and/or Kotlin and strength across the full stack
• Proven track record architecting robust, scalable, and maintainable distributed systems that are event-driven, high-throughput, and low-latency
• Strong grasp of design patterns and best practices
• Experience building financial or risk-critical systems where correctness, consistency, and auditability matter
• Strong experience with AWS and cloud-native services, including RDS, ECS, EKS, and S3
• Excellent automated testing practices across unit, integration, and end-to-end testing
• Experience working within Agile, DevSecOps, and CI/CD workflows
• Proven technical leadership, including mentoring engineers, driving technical vision, and delivering complex cross-team projects
• Familiarity with DORA metrics
• Judgment to balance reliability and compliance against feature velocity
• Advanced written and spoken English proficiency
• Preferred: fraud/risk scoring models and ML feature pipelines; double-entry ledgers and reconciliation; chargeback and dispute frameworks with card-network rules; or APP-scam prevention
• Preferred: Kafka, exactly-once processing, or event sourcing
• Preferred: payments or fintech industry experience at global scale
• Preferred: performance optimization and efficient algorithms for high-throughput, low-latency systems
• Preferred: static analysis and code-quality tooling such as SonarQube and mature CI/CD pipelines
• Nice to have: introducing engineering practices or standards across multiple teams
• Nice to have: open-source contributions or technical writing
• Nice to have: Spanish proficiency

• Competitive Compensation
• Remote Work — you can work from everywhere
• Home Office Bonus — a one-time allowance to set up your ideal home office
• Work Equipment
• Stock Options
• Health Plan wherever you are
• Flexible Days Off
• Language, Professional, and Personal Growth courses