Senior Software Engineer, Payments

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Responsibilities: - Lead efforts to reconcile transactions across multiple financial providers, including Stripe, Highnote, Checkbook, and JPMorgan, ensuring accuracy and consistency across systems. - Ensure full alignment between internal records and customer-facing balances-what's in the bank should precisely match what the customer sees. - Contribute to the development and ongoing scalability of our general ledger infrastructure, supporting accuracy, resilience, and growth. - Partner with our external ledger provider, Fragment, to build a reliable system capable of powering billions of transactions with speed and integrity. - Design and implement new money movement flows across a variety of payment rails-including push-to-card and wire transfers-optimizing for cost, speed, and reliability. - Own critical backend & platform projects end-to-end-from design to production ops. - Push architecture that scales to billions in annual payment volume and real-time risk controls. - Work closely with product and GTM leads to turn ambiguous problems into elegant code.

Qualifications: - Have 5+ years of professional experience building B2B or B2C SaaS products (FinTech, payments, or marketplace a plus). - Prior payments or back office fintech experience is a plus - Thrive in zero-bureaucracy, high-ownership environments. - Balance speed with rigor-automated tests, clean abstractions, clear docs. - Can dive deep into code (we use React, Ruby, Postgres-but great engineers pick up tools fast). - Communicate crisply across time zones. - This role is required to be in office 4 days/week (Mon-Thurs) either in San Francisco Bay Area or Montreal