Senior Backend Engineer - Transaction

ether.fi; New York (NY); On-site; USD 140,000 - 230,000; Full time

Benefits offered by this job

Token allocation grant

Work from anywhere (4 weeks)

Global offices

Team events and off-sites

Job summary

ether.fi is building on-chain banking capabilities with card-based products and AI-powered workflows. We are seeking a senior backend engineer to own core card program services, optimize authorization and dispute flows, and ship reliable, scalable infrastructure.

You will collaborate across teams and leverage AI tools to accelerate development. You will join a small, ambitious team focused on delivering real consumer DeFi apps, with opportunities to impact product decisions and performance for

Qualifications

• 5+ years of professional backend engineering experience.
• Experience building or operating a card program, on issuing or fintech side.
• Product mindset with focus on user impact.

Responsibilities

• Own core backend services for card program (authorization, clearing, refunds, disputes).
• Reduce card declines by root-cause analysis and fixes with partners.
• Collaborate with design and ops to scope and measure outcomes.

Skills

Backend engineering

Card program experience

AI tooling

Product mindset

Fintech

Tools

CI/CD

Observability

Job description

About us:

Ether.fi http://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 https://dune.com/ether_fi/etherfi-cash and Stake https://dune.com/ether_fi/etherfi.

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