Senior Backend Engineer - Transaction

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

About us: Ether.fi is one of the largest crypto companies in the world. We have over $10B in assets under management and a team of 30 almost all technical staff. We’ve been profitable day one and are focusing on building real consumer applications.

About us: Ether.fi is one of the largest crypto companies in the world. We have over $10B in assets under management and a team of 30 almost all technical staff. We’ve been profitable day one and are focusing on building real consumer applications.
The future we envisage is true on-chain banking. Our current products; Stake, Liquid, and Cash enable users to earn yield in a variety of DeFi strategies, and spend their assets in the real world with our credit cards. You can view public analytics on Dune for Cash and Stake.
Position overview: We’re looking for a senior backend engineer to own core parts of our card program: transaction processing, authorization and decline handling, disputes, and the services around them. You’ll work on a small team where engineers own problems end to end, from understanding why a user’s card was declined to shipping the fix and measuring whether it worked. Anything a neobank would build is on our roadmap.
What you’ll do:

• Own core backend services for our card program, including authorization, clearing, refunds, and dispute flows
• Reduce user friction from card declines: find root causes in transaction data, work with our issuing partners, and ship fixes
• Make product calls alongside design and ops: decide what to build, cut scope where it doesn’t serve users, and track outcomes after launch
• Use AI tools and agents as a core part of how you work, for coding, investigation, data analysis, and automating operational work
• Improve our infrastructure, CI/CD, observability, and monitoring so the team can ship safely and quickly

What we are looking for:

• 5+ years of professional backend engineering experience with strong fundamentals in software design and problem solving
• Experience building or operating a card program, on the issuing side, processor side, or as a fintech running cards through a program manager
• A product mindset: you care about what users experience, can turn a vague problem into a scoped plan, and judge your work by its effect on users
• You already use AI heavily to get things done and can show examples where it changed how much or how fast you delivered
• You have shipped products used by thousands of real users
• Drive and willingness to go the extra mile. We are an ambitious team with audacious goals, and we work hard to reach them

Perks and benefits:

• Competitive salary, performance-based incentives, and token allocation grant
• Opportunity to work on multi-billion dollar products as part of a small team
• Health, dental, and vision insurance plans
• Global team with opportunity for travel and working out of our 3 offices around the world
• 4 weeks work from anywhere
• Exciting company events and team-building off-sites

Compensation Range: $170K - $200K