Backend Engineer, Payments & Risk

Xapply; Toronto; Hybrid; CAD 120,000 - 180,000; Full time

Job summary

Stripe seeks Backend engineers to scale money movement APIs and balance management platforms for a global customer base. You will design, implement, and maintain services while collaborating with Infrastructure, Product, and Risk teams across a distributed, hybrid setup.

We value engineers who thrive with autonomy, enjoy solving complex problems, and can mentor others. Experience with cloud services and large-scale systems is a plus.

Qualifications

• 2–12+ years of industry software engineering experience.
• Language-agnostic interview process; coding in any language.
• Strong collaboration across workstreams.
• Autonomy, responsibility, and entrepreneurial mindset.
• Willingness to be a generalist across stacks.

Responsibilities

• Scope, design, build, and maintain APIs, services, and large-scale systems handling billions of money movement requests.
• Debug and solve production issues across services.
• Mentor engineers to grow.
• Collaborate with cross-functional teams to build features at scale and improve standards.
• Work effectively in a distributed, hybrid team with open communication.

Skills

Coding skills

Collaboration

Autonomy

Generalist engineer

Tools

Cloud services (AWS)

Docker/Kubernetes

GraphQL

gRPC

Job description

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

About the Organization

Payments and Risk Sub-orgs within Payments and Risk: Link and OCS, Payments Acceptance, Risk

The Payments organization focuses on developing products and platforms that enable users to accept payments from customers efficiently. This includes building APIs for processing payments, enabling regional, non-card payment options, and extending Stripe's capabilities to make it easy for businesses to accept in-person payments. Optimized Checkout and Link teams work to create best-in-class checkout experiences that enhance customer satisfaction and drive merchant conversion rates. The Risk Engineering team develops products that minimize financial and regulatory risks while ensuring a seamless user experience, thereby safeguarding Stripe’s brand and financial stability.

Team Matching: exact team matching for one of the subteams will begin during final stages. Please note we may also consider you for different orgs based on your experience, location, etc. More information on our team matching process can be found here.

What you’ll do

We’re looking for Backend engineers who want to make an impact on managing money at a global scale with a passion for building ergonomic APIs. You’ll play a key role in extending our balance management platform and in building out a new funds accessibility platform leveraged by enterprises and SMBs alike. Our team collaborates with many cross-functional teams - from Infrastructure to Product at Stripe to deliver innovative solutions that address evolving user needs.

Responsibilities

• Scope, design, build, and maintain APIs, services, and large-scale systems that reliably and efficiently handle billions of money movement requests
• Debug and solve critical production issues across services and multiple levels of the stack
• Mentor engineers to help them grow
• Collaborate with stakeholders across the company to build new features at large-scale, while improving internal engineering standards, tooling, and processes
• Collaborate effectively in a distributed and hybrid team, maintaining open communication and strong connections with colleagues

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum requirements

• 2-12+ years of industry software engineering experience (does not include internships nor includes co-ops)
• Strong coding skills in any programming language (we understand new languages can be learned on the job so our interview process is language agnostic)
• Strong collaboration skills, can work across workstreams within your team and contribute to your peers’ success
• Have the ability to thrive on a high level of autonomy, responsibility, and think of yourself as entrepreneurial
• Interest in working as a generalist across varying technologies and stacks to solve problems and delight both internal and external users

Preferred Qualifications

• Experience with large-scale financial tracking systems
• Good understanding and practical knowledge in cloud based services (e.g. gRPC, GraphQL, Docker/Kubernetes, cloud services such as AWS, etc.)