Senior Fintech Backend, Systems Design (Payments) 100% Remote Contract to Permanent Job

Senior Fintech Backend, Systems Design (Payments) 100% Remote Contract to Permanent Job Top Skills

• System Design
• Backend or Full stack tech stack
• fintech, banking, payments, ledgering, or accounting systems

Senior Software Engineer, Financial Infrastructure Role Overview We’re hiring a Senior Software Engineer, Financial Infrastructure to help design and build a new internal transfers engine that automates movement of funds between internal accounts in a financial ledgering environment. This is a net-new headcount on an early-stage but important initiative. Today, many of these transfers are handled manually through Excel-based workflows and then uploaded into a core system. We’re building a safer, more scalable platform that uses business context and configuration to determine and execute transfers through APIs. This engineer will be one of the first 2–3 engineers on the project. Early on, the role will lean heavily toward systems design and architecture , but this is absolutely a hands-on engineering role . The person we hire will help define the technical foundation, then build it. What This Person Will Work On

• The engineer will help design and implement a transfer platform that supports:configuration- and rules-driven transfer generation
• approvals and review workflows
• reconciliation and reporting
• scheduling and batching
• exception handling
• complete audit trail
• internal operational tooling for users who support and manage the process

They will work closely with engineering leadership, product, financial analysts, and data engineers to translate a manual finance operation into reliable software. What We Need We are looking for a strong senior engineer with real system design ability. This is not a generic backend role. We need someone who understands how to design systems where correctness, traceability, and operational control matter. They should be comfortable thinking through failure modes, building for auditability, and working in areas where duplicate processing, poor controls, or weak observability can create real problems.

• The right candidate should have experience with things like: backend or platform system design
• operationally critical systems
• idempotency and safe retries
• auditability and traceability
• reconciliation-oriented thinking
• secure handling of sensitive workflows
• turning messy/manual business processes into software
• Preferred Background

We would prefer someone with some fintech, banking, payments, ledgering, or accounting systems experience , but it is not a hard requirement . If they do not come directly from finance, they should still have experience working on systems where correctness and controls matter a lot more than speed and surface polish. Tech Environment

• Current stack:TypeScript monorepo
• Effect TS
• Azure

Exact stack match is not required . Do not over-filter for Effect TS or Azure specialists. The priority is strong engineering fundamentals, design ability, and the right mindset for financial infrastructure. Candidate Profile

• This person should be:a strong senior-level IC
• architecture-capable, not just ticket-driven
• willing to get deep into design early
• hands-on enough to build what they design
• collaborative and low ego
• comfortable working with smart peers, including senior/staff+ engineers
• able to help shape technical requirements, not just wait for them

This role could grow into a Staff trajectory over time, but we are hiring for a Senior IC today.

• Work Setup

Remote is fine

• Preference for U.S. or U.S.-adjacent time zones
• Sacramento office is available for candidates in the area

What to Prioritize

• Please prioritize candidates with:strong backend/platform engineering backgrounds
• proven system design strength
• experience building high-integrity or operationally sensitive systems
• some exposure to fintech, banking, payments, ledgering, or accounting systems
• evidence they can work cross-functionally and turn ambiguous requirements into a sound technical design