Senior Java Engineer – Fund Security & Account Security (Fiat OnOff-Ramp)

Binance; United States; Remote; USD 180,000 - 240,000; Full time

Benefits offered by this job

Remote-first

Job summary

Binance is seeking a senior Java-focused engineer to design and secure fund flows across deposits, withdrawals, and trading. You will collaborate with banks, payment providers, and internal ledgers to ensure traceable, accurate fund movements and robust security controls.

Strong AI capabilities and Mandarin-English bilingual skills are highly valued. You will work in a remote-first environment, connecting with global partners to implement distributed, high-availability services and automated

Qualifications

• 5+ years in financial services with fund security and reconciliation.
• Expert Java skills with strong understanding of the JVM, concurrency and distributed systems.
• Experience with Spring Boot/Spring Cloud, MyBatis, MySQL, Redis and Kafka/RocketMQ.
• Distributed transactions, idempotency and eventual consistency in financial systems.
• Familiar with clearing & settlement, APIs, SFTP recon files, ISO 20022 / SWIFT.

Responsibilities

• Design fund security for deposit, withdrawal and trading flows.
• Design and implement account security controls and anomaly detection.
• Integrate with banks and third-party payment providers with reliable callbacks and retries.
• Work with internal ledger, reconciliation and settlement systems.
• Build channel, internal, and multi-party reconciliation and automate it.
• Develop AI-enabled tools to enhance fund security and reconciliation.

Skills

Fund security

AI skills

English/Mandarin

Java/JVM

Distributed systems

Tools

Spring Boot

Spring Cloud

MyBatis

MySQL

Redis

Kafka/RocketMQ

Job description

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, and more. Our mission is to increase the freedom of money and financial access for people around the world.

About the Team:

We build and run fiat on/off-ramp integrations. We connect with banks and payment providers around the world and support the core money flows: deposits, withdrawals and trading. We also connect these flows with our internal ledger and reconciliation systems. Our goal is that every transaction is secure, accurate and fully traceable.

What You’ll Do:

• Fund Security : Design fund security for deposit, withdrawal and trading flows. Find where funds could be lost, and build controls that prevent problems up front, block them in real time and catch them afterwards.
• Account Security : Design and build account security controls, such as account status management, fund freezing and unfreezing, protection for sensitive operations, and detection of abnormal behavior.
• Channel Integration : Integrate with banks and third-party payment providers. Make callbacks, status sync, idempotency and retries reliable, so there are no duplicate credits, missed transactions or mismatched states.
• Ledger Integration : Work with the internal accounting and clearing & settlement systems so that fund flows always match the ledger. Help design the accounting model and fund-flow standards.
• Reconciliation : Build channel, internal and multi-party reconciliation. Handle break detection, suspense accounts and adjustments, and make sure every discrepancy gets resolved. Keep making reconciliation more automated and faster.
• Monitoring & Incident Response : Build reconciliation checks and fund-loss alerts. Lead the investigation, containment and post-mortem for fund-related incidents.
• AI Enablement : Use LLMs and AI tools to make fund security and reconciliation more efficient, for example anomaly detection, automatic root-cause analysis of breaks, smart reconciliation and operations support.

What We’re Looking For:

• 5+ years in financial services (payments, banking, exchanges, etc.) with strong hands-on experience in fund security and reconciliation.
• Expert Java skills, with a solid grasp of the JVM, concurrency and distributed systems. Deep understanding of high-availability, strongly consistent systems.
• Skilled with the open-source Java stack, such as Spring Boot / Spring Cloud, MyBatis, MySQL, Redis and Kafka / RocketMQ, and understands how these tools work inside.
• Experienced with distributed transactions, idempotency and eventual consistency. Has designed and shipped financial systems from start to finish.
• Knows clearing & settlement processes and double-entry bookkeeping. Familiar with how banks integrate: APIs, SFTP reconciliation files, ISO 20022 / SWIFT messages.
• Strong AI skills : Uses AI tools every day to work faster, with hands‑on experience building LLM applications (prompt engineering, RAG, agents).
• Strong sense of risk and close attention to detail. Takes ownership, communicates well and drives work forward.
• Bilingual English/Mandarin is required to be able to coordinate with overseas partners and stakeholders

Why Binance

• Shape the future of finance
• Collaborate with world‑class talent in a user‑centric global organization with a flat structure
• Tackle challenging projects in a fast‑paced and innovative enviornment with autonomy
• Thrive in a results‑driven workplace with opportunities for career growth and continuous learning
• Competitive salary and company benefits
• Remote‑first, work‑from‑home arrangement (may vary depending on the nature of the role and team)

Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.