Senior Payments Engineer: Real-Time Money Movement

Royper Royco LLC; United States; Remote; USD 180,000 - 320,000; Full time

Benefits offered by this job

Remote-first

401(k)

Alt Equity to all full-time employees

Job summary

Alt is building real-time pricing and a payments platform for high-value transactions in the United States. As a senior backend engineer, you will own money movement rails—ACH origination, RTP, wires, and settlement—and shape reliability and latency at scale.

You will design provider orchestration, multi-PSP integrations, and a ledger contract workflow. Strong focus on idempotency, exactly-once delivery, risk controls, and production-grade tooling to answer customers’ ‘where is my money’

Qualifications

• 5+ years of backend systems experience (Python, Postgres, AWS).
• Hands-on money movement experience: ACH origination/returns, RTP, wires, settlement.
• Experience integrating multiple payment providers in production.
• Experience handling large value transactions and high reliability.
• API-native architecture: webhooks, idempotency, exactly-once delivery.
• Strong SQL and relational design; scalable architecture for marketplace flows.

Responsibilities

• Own money movement rails: ACH origination/returns, RTP and instant rails, wires, and settlement.
• Design provider orchestration and multi-PSP integrations with a single routing layer.
• Build payouts, collections, and ledger integration workflows.
• Improve risk posture for high-value flows with data-driven holds and settlement windows.
• Develop tooling for operations to answer “where is my money” quickly and accurately.
• Collaborate with ledger contracts and guide architecture decisions.

Skills

Backend systems

Python

PostgreSQL

AWS

Tools

Stripe

Plaid

Airwallex

PayPal

Modern Treasury

Increase

Job description

Alt is building real-time pricing and a payments platform for high-value transactions in the United States. As a senior backend engineer, you will own money movement rails—ACH origination, RTP, wires, and settlement—and shape reliability and latency at scale.

You will design provider orchestration, multi-PSP integrations, and a ledger contract workflow. Strong focus on idempotency, exactly-once delivery, risk controls, and production-grade tooling to answer customers’ ‘where is my money’