Senior FinTech Engineer - Fiat Payments & Banking Infra

Zero Hash; United States; On-site; Full time

Job description

About the Job

zerohash is looking for a Senior+ Software Engineer to architect and build our fiat payment systems, scaling our gateway to Finance 2.0. We are a high-performing team looking for an equally ambitious and driven teammate. The right candidate for this position is detail-oriented, deeply technical, and driven by the challenges of complex financial systems. You are eager to build secure, resilient, and highly scalable banking infrastructure. If you are looking to have a massive impact in a high-growth startup bridging the gap between traditional finance and digital assets, you will find this role uniquely challenging and rewarding.

Role Objectives & Focus

This senior-level role focuses intensely on the backbone of our financial infrastructure:

• Fiat Payments: Building and maintaining robust fiat rails such as ACH, RTP, FedNow, RFP in the US, and SEPA in Europe.
• Banking Infrastructure: Direct API integrations with top-tier banking partners.
• Treasury Management: Developing sophisticated software to autonomously manage and reconcile balances across banking networks.
• Operational Tooling: Creating internal tooling to streamline financial operations and scale our capacity to handle millions of transactions securely.

Responsibilities

• Lead the architectural design and hands-on development of our global fiat payment rails (ACH, RTP, FedNow, Request for Pay, and SEPA).
• Architect, implement, and scale seamless API integrations into our banking partners' systems.
• Design and build robust treasury management software for internal operations, allowing programmatic liquidity management and automated balance transfers between partner banks.
• Develop robust internal operational tooling to support reconciliation, automated alerts, financial operations, and compliance reporting.
• Support the company's vital business by contributing to the design and development of software in an event-driven microservices environment.
• Develop microservices, primarily utilizing Golang.
• Work closely with platform engineers to set up new services and scale existing infrastructure.
• Respond to production issues and alerts, ensuring high availability of our payment gateways.
• When necessary, communicate directly with banking partners and client technical teams to resolve complex integration issues.

Requirements

• 7+ years of software engineering experience, specifically focused on Payments, FinTech, or Banking-as-a-Service (BaaS) infrastructure.
• Deep proficiency with Golang in a production environment.
• Extensive understanding of traditional fiat networks and clearing systems (e.g., ACH, RTP, FedNow, SEPA, Swift).
• Strong expertise in SQL and complex database schema design for high-throughput, ACID-compliant financial ledgers.
• Hands-on experience developing, integrating, and maintaining resilient connections with bank APIs and third-party payment processors.
• A humble and scrappy get-it-done mindset; you're resourceful and in your element going from 0 to 1.
• Excellent problem-solving skills; you can systematically troubleshoot complex distributed systems.
• Comfort with ambiguity; the ability to independently lay out and test clear hypotheses, and solve architectural problems without well-defined direction.
• Excellent verbal and written communication skills.

Preferred Qualifications

• Bachelor's in Computer Science or equivalent experience.
• Experience at a banking-as-a-service, brokerage-as-a-service, or payment-as-a-service business.
• Proven track record of building treasury management or automated ledgering systems from scratch.
• Experience with digital assets and crypto infrastructure.
• Experience with distributed systems design and messaging frameworks (e.g., Kafka, ZeroMQ, or NATS) for data distribution and persistence.

Benefits

• Healthcare Insurance: zerohash covers roughly 100% of employee premiums as well as a portion of spouse/children (U.S. only)
• Vision & Dental Insurance (U.S. only)
• Chance to earn equity
• Maternity & Paternity leave (after 6 months)
• WeWork All Access Membership
• WFH Yearly Stipend
• L&D Yearly Stipend (after 6 months)