Senior Backend Engineer, Bank Infrastructure – Hybrid/Remote

Jobicy; United States; Remote; USD 130,000 - 180,000; Full time

Benefits offered by this job

Pleo card

Lunch allowance

Private healthcare (Vitality/Alan/Médi

Public holidays + 25 days off

Hybrid and remote options

Mental health support (MyndUp)

Paid parental leave

Job summary

Pleo is seeking a Senior Backend Engineer for its Bank Infrastructure team to design, build, and maintain payment rails and bank integrations, ensuring reliable, scalable money movement across systems.

You will own end-to-end payment flows, improve observability, and collaborate with compliance, finance operations, and product while mentoring teammates and addressing technical debt to drive delivery velocity.

Qualifications

• Hands-on experience building payment integrations, bank APIs, payment scheme integrations, or financial messaging formats (ISO 20022, SWIFT, SEPA, Faster Payments, or similar).
• Strong understanding of payment flows end-to-end: initiation, routing, reconciliation, settlement, and exception handling.
• Experience designing and operating highly available, resilient distributed systems with robust error recovery and observability.
• Expertise in server-side development, ideally Kotlin or Java, with strong experience in microservices and distributed systems.
• Proficiency with relational databases (PostgreSQL), cloud environments (AWS, Kubernetes), and observability tooling (Grafana).
• Awareness of payment compliance and regulatory considerations (AML, sanctions screening, PSD2) is a plus.
• Understanding safeguarding of customer funds and the impact of money movement pipelines.
• Strong problem-solving skills and experience owning production payment systems through incidents and operational complexity.
• Proven ability to structure complex engineering problems for AI collaboration, including writing precise specifications and iterative development.

Responsibilities

• Design, build, and maintain integrations with banks and payment partners across multiple payment schemes (SEPA, Faster Payments, SWIFT, and others).
• Own the reliability and correctness of inbound and outbound payment flows, including reconciliation, settlement, and exception handling.
• Architect systems that are resilient to partner outages, network failures, and edge cases inherent in financial messaging.
• Lead initiatives to improve system observability, fault tolerance, and operational excellence across payment rails.
• Collaborate with cross-functional teams, including compliance, finance operations, and product to evolve Pleo’s payment capabilities.
• Participate in code reviews, post-mortems, and provide mentorship to other engineers.
• Proactively address technical debt and guide the team through technical challenges and migrations.

Skills

Payment integrations

Bank APIs

Payment formats

Distributed systems

Kotlin/Java

PostgreSQL

AWS / Kubernetes

Observability

Regulatory awareness

AI tooling

Tools

Grafana

GitHub Actions

Docker

Kubernetes

AWS

Job description

Pleo is seeking a Senior Backend Engineer for its Bank Infrastructure team to design, build, and maintain payment rails and bank integrations, ensuring reliable, scalable money movement across systems.

You will own end-to-end payment flows, improve observability, and collaborate with compliance, finance operations, and product while mentoring teammates and addressing technical debt to drive delivery velocity.