Junior Full-Stack Engineer - Fintech & AI Payments

Breeze; New York, Northern (NY, KY); Hybrid; USD 115,000 - 135,000; Full time

Job description

At Breeze, we're building the AI-powered infrastructure layer for global commerce, making it radically simpler for businesses to sell, get paid, and operate across markets.

We go far beyond traditional payment processing. Breeze combines global payments, AI, stablecoins, and a Merchant of Record-like model to take on the complexity businesses typically manage themselves, including compliance, risk, fraud, chargebacks, reconciliation, and customer support.

Our goal is simple: let businesses focus on building and selling great products while Breeze handles the complexity behind getting paid.

Backed by Sequoia Capital, Multicoin Capital, and The Chainsmokers, Breeze is a successful, rapidly growing, and exceptionally well-capitalized company. We have the runway to think long term while remaining early enough that every person joining today can have a meaningful impact on what we build.

Overview

We are hiring a Junior Full Stack Engineer. You’ll work across the stack to help design, build, and ship user-facing payment products, turning complex financial workflows into experiences that feel simple, fast, and reliable.

This is a hands-on, product-focused role where you’ll contribute to meaningful projects from day one. You’ll write production code, solve real customer problems, use AI tools to accelerate how you build and learn, and gain exposure to the full product development lifecycle.

You’ll work closely with experienced engineers and partner with Product, Design, Operations, Risk, and Compliance, giving you the opportunity to learn how great products are built in the complex world of payments.

If you’re curious, eager to learn, love building, and want to grow alongside a fast-moving startup, we’d love to meet you.

What You'll Do

• Build and scale user-facing fintech products that power Breeze's payments platform.
• Use AI tools (Claude Code and similar) as a core part of your workflow to scope, plan, and execute large projects across a large, multi-service codebase.
• Independently break down ambiguous, multi-week projects into shippable milestones and manage your own execution.
• Own features end to end, from technical design and implementation through iteration based on user feedback.
• Work in a full stack environment using React.js and TypeScript on the frontend, and Node.js and TypeScript on the backend.
• Partner closely with Product and Design to shape product requirements, UX decisions, and technical tradeoffs.
• Design systems that are secure, scalable, and performant in a payments and financial context.
• Collaborate with Risk, Compliance, and Operations teams to ensure product workflows meet regulatory and operational needs.
• Communicate clearly with stakeholders and contribute to product planning and prioritization.
• Participate in our on-call and engineering runner rotations, triaging production alerts and merchant-facing issues and closing them out end to end.

What We're Looking For

• Bachelors Degree in Computer Science
• 2+ years of professional software engineering experience, ideally in fintech, payments, or fast-paced startup environments.
• Experience building product-driven, user-facing applications.
• Fluent with AI coding tools; you know how to use them to scope work, understand unfamiliar parts of a large repository, and ship faster without sacrificing quality.
• Familiarity with tools that power AI: agent tooling, RAG pipelines, prompt engineering, etc.
• Solid full stack experience with React.js, Node.js, and TypeScript, or similar modern frameworks.
• Product mindset, with genuine care for usability, customer experience, and business impact.
• Strong problem-solving skills and the ability to own features from concept to launch. You can take a loosely defined project, scope it, sequence it, and deliver it with minimal supervision.
• Excellent communication skills and comfort working cross-functionally with non-engineering partners.
• Familiarity with building scalable, reliable systems and modern web architectures.
• Bachelor's degree or equivalent practical experience.
• Comfortable operating in fast-moving environments without an established playbook.
• A builder mentality with a strong bias toward action.
• Comfortable getting into the details and doing the work, regardless of seniority.

Nice to Have

• Experience at an early-stage or high-growth startup.
• Exposure to payments, financial APIs, risk systems, or crypto and blockchain products.
• Experience working in large, established codebases or multi-service architectures.

Our Compensation Philosophy!

The annual base salary range for this role is $115,000 - $135,000 in New York. This range represents the minimum and maximum annual base salary that Breeze, in good faith, expects to pay for this position at the time of posting. Actual compensation will be determined based on factors including a candidate’s experience, skills, and qualifications.

For candidates outside of New York, compensation will be based on the applicable market and location-based pay range.

The base salary range listed excludes commission (if applicable), equity, and benefits.

• Health coverage: Breeze covers 100% of employee premiums on our competitive base plan and 75% of dependent premiums.
• 401(k): Breeze covers all plan administration fees.
• Equity: Meaningful ownership in the company you're helping build.
• Equipment: A new MacBook Air and whatever else you need to do your best work.
• Office & education allowance: An annual budget for your workspace, tools, and professional development.
• Wellness: A monthly reimbursement to support your well-being.
• Annual global offsite: We bring the global Breeze team together every year. Previous destinations include Bali and Singapore, with Japan coming next.

Breeze is an equal opportunity employer. We are committed to providing equal employment opportunities to all applicants and employees without regard to race, color, religion or creed, national origin, ancestry, citizenship or immigration status, sex, pregnancy, sexual orientation, gender, gender identity or expression, age, marital or partnership status, caregiver status, disability, genetic information, military or veteran status, height or weight, sexual and reproductive health decisions, status as a victim of domestic violence, sexual violence, or stalking, or any other characteristic protected by applicable federal, state, or local law.

Breeze considers qualified applicants with criminal histories in accordance with applicable federal, state, and local laws, including the New York City Fair Chance Act, where applicable.

Why Join Breeze

• Make an outsized impact: We're successful and still early, with meaningful traction and strong financial foundations. Lean teams, few layers, and direct access to decision-makers mean you'll have real ownership and the autonomy to make things happen.
• Solve hard, meaningful problems: Work at the intersection of AI, payments, stablecoins, risk, compliance, financial infrastructure, and global commerce as we build an intelligent infrastructure layer that goes far beyond payments.
• Build AI-first: AI isn't an add-on. It's central to how we're building our products and how our teams operate. You'll experiment with new tools, automate the repetitive, and continuously rethink how to work smarter.
• Work with an exceptional team: Join ambitious, curious, low-ego people who move quickly, hold a high bar, and care deeply about what we build.
• Grow with Breeze: As Breeze grows, strong performers can quickly expand their scope and take on bigger problems.
• Build for the long term: Backed by Sequoia Capital, Multicoin Capital, and The Chainsmokers, we're exceptionally well-capitalized with the runway to think big.

Employees based in our New York City, NY office follow a hybrid work model and are expected to work from the office three days per week. Employees based in our Singapore office are expected to work on-site five days per week.

In-office expectations may vary slightly depending on role, team, and business needs. Certain roles that require closer cross-functional collaboration or operational support may have additional requirements, which will be discussed during the interview process.

Our approach is designed to support meaningful in-person collaboration, team building, and real-time decision-making while providing flexibility where applicable. We believe this structure enables strong execution, close collaboration, and effective teamwork across our global offices.

Come Build With Us!

We offer a rare combination: the ownership and speed of an early-stage company with the traction, backing, and financial foundations of a successful business.

We're building at the convergence of AI, payments, stablecoins, financial infrastructure, and global commerce. The opportunity is much bigger than building another payment processor.

We're building the intelligent infrastructure layer for global commerce, and there's still an enormous amount left to build.

If you want meaningful ownership, hard problems, exceptional teammates, and the opportunity to help define what comes next, we'd love to hear from you!