Senior Backend Engineer — Card Payments & Fintech AI

ether.fi; Denver (CO); On-site; USD 170,000 - 200,000; Full time

Benefits offered by this job

Token allocation grant

Health, dental, and vision insurance

4 weeks work from anywhere

Global travel opportunities and off‑s腕

Job summary

Ether.fi is hiring a senior backend engineer to own core card program services, including authorization, clearing, refunds, and dispute flows. You will reduce user friction from declines and work with partners to ship fixes that improve real-world user experiences.

You’ll operate in a small team where engineers own problems end to end, from diagnosing declines to shipping the fix and measuring outcomes. AI tools will be a core part of your workflow.

Qualifications

• 5+ years of backend engineering experience with strong fundamentals in software design and problem solving.
• Experience building or operating a card program, on issuing or processor side, or fintech handling cards.
• Demonstrated use of AI tools to improve delivery speed or quality.
• A product mindset focused on user experience and measurable impact.

Responsibilities

• Own core backend services for the card program: authorization, clearing, refunds, disputes.
• Reduce card declines by identifying root causes in transaction data.
• Collaborate with design and ops to decide what to build and measure outcomes.
• Use AI tools to aid coding, investigation, data analysis, and automation.

Skills

Backend engineering

Card program experience

AI tooling use

Problem solving

Product mindset

User impact awareness

Job description

Ether.fi is hiring a senior backend engineer to own core card program services, including authorization, clearing, refunds, and dispute flows. You will reduce user friction from declines and work with partners to ship fixes that improve real-world user experiences.

You’ll operate in a small team where engineers own problems end to end, from diagnosing declines to shipping the fix and measuring outcomes. AI tools will be a core part of your workflow.