Senior Backend Engineer, Fintech

Role overview

Build backend services for a business banking product serving healthcare practices. The work covers core account capabilities, payment movement, transaction records, and integrations with related financial products, with a strong emphasis on accurate accounting, dependable processing, and auditability. The role also contributes to foundational technical decisions as the banking engineering team grows.

Responsibilities

- Design and implement account opening, balances, statements, and backend APIs. - Build money movement across US payment rails, including ACH, wires, RTP, and FedNow. - Maintain transaction processing and ledger integrity, including double-entry accounting, holds, idempotency, and reconciliation. - Integrate banking with cards, bill payment, expense management, and accounting systems so transactions are funded and reconciled correctly. - Develop ways to receive funds such as insurance payouts and patient payments, and work with financial partners on integrations, certifications, and compliance needs. - Design for payment exceptions, settlement timing, retries, and funds availability; collaborate on technical plans, identify risks, and mentor engineers.

Requirements

- At least five years of backend engineering experience. - Experience building reliable financial systems, with strong attention to transaction correctness and data integrity. - Ability to design and operate auditable services that handle payment processing, reconciliation, and failure cases. - Strong cross-functional communication and experience working with distributed engineering teams, including scheduled evening overlap with a team in Taipei.

Nice to have

- Experience with accounts payable automation, bill payment, expense management, banking or deposit products, card issuing, payment processors, or accounting integrations. - Familiarity with ACH and NACHA formats, returns, same-day ACH, wires, RTP, FedNow, or healthcare payment flows such as insurance remittances and patient collections. - Experience with sponsor banks or banking-as-a-service platforms, Mandarin proficiency, or building products from the ground up in a regulated setting.

Benefits and work setup

- Hybrid schedule with four office days per week and Wednesdays working from home. - Compensation includes a stated base range of $175,000–$240,000, plus bonus, equity, health, vision and dental coverage, and an employer 401(k) match.