Senior Backend Engineer — Real-Time Payments & Fraud

Mosaec; Northern (KY); Hybrid; USD 160,000 - 200,000; Full time

Benefits offered by this job

Unlimited PTO

Parental leave (12 weeks)

Sabbatical (4 weeks)

Work From Anywhere 4 weeks/year

3% cashback on card purchases

Health, vision & dental insurance

HSA Contribution Match

401(k) match

Life Insurance

STD/LTD

Job summary

Lithic is hiring a Senior Software Engineer for its Card Authorization team to own real-time systems ensuring fast, reliable card authorizations and fraud tooling. You’ll tackle distributed-systems challenges and build tools that customers use to control fraud and payment risk.

The role is remote in the United States with potential collaboration across time zones; salary is competitive with equity, and you’ll work on high-impact projects end-to-end in a fast-growing fintech.

Qualifications

• 4+ years building production backend systems.
• Experience or desire to learn Rust; ability to understand Lithic’s system written in Python/Java.
• Interest and experience in leveraging AI tools to enhance productivity.
• Ability to navigate ambiguity, align diverse perspectives, and drive toward practical solutions.
• Experience or interest in payments, fintech, fraud prevention.
• Comfort with designing systems from scratch and owning the product development process end-to-end.
• Strong written communication skills and experience working in a remote, async-first team that’s spread across time zones.

Responsibilities

• Write reliable, secure, scalable code for Lithic’s real-time authorization and fraud-prevention systems with minimal tech debt
• Build customer-facing features, such as rules improvements, velocity controls, 3DS flows, fraud tooling, and transaction monitoring. Own projects from planning to launch.
• Improve the reliability of systems in team’s scope and participate in the team on-call rotation
• Lead efforts to improve systems and processes within the team

Skills

Backend systems

Rust

AI tools

Payments/Fintech knowledge

Distributed systems

Remote collaboration

Tools

Python

Java

Job description

Lithic is hiring a Senior Software Engineer for its Card Authorization team to own real-time systems ensuring fast, reliable card authorizations and fraud tooling. You’ll tackle distributed-systems challenges and build tools that customers use to control fraud and payment risk.

The role is remote in the United States with potential collaboration across time zones; salary is competitive with equity, and you’ll work on high-impact projects end-to-end in a fast-growing fintech.