Senior Software Development Engineer- Receiver Products

Remitly PHL Operations Inc.; Seattle (WA); Hybrid; USD 180,000 - 260,000; Full time

Job summary

Remitly is seeking a Senior Software Development Engineer (SDE3) to design and build core backend services for the Receiver Products team. You will translate ambiguous problems into reliable, production-grade systems that power receivers’ ability to save and spend money in their home countries.

Lead integrations with Remitly's money-movement platform, ensure data consistency, and uphold security/compliance standards.

Qualifications

• 5+ years of professional software engineering experience, including designing and operating production distributed systems.
• Project ownership end-to-end from design through launch and operation.
• Strong backend fundamentals: service-oriented or event-driven architectures, RESTful or async APIs, relational or distributed databases.
• Knowledge of security and compliance considerations in regulated or sensitive data environments.
• Ability to collaborate across engineering, product, and operations to get things done.
• Clear written and verbal communication for engineers and non‑engineers.

Responsibilities

• Design and build backend services powering receiver financial features from accounts to transactions.
• Integrate receiver capabilities with Remitly's money-movement platform and ensure data consistency.
• Apply security and compliance requirements, enabling AML/KYC and audit trails.
• Operate at scale with SLOs, error budgets, on-call responsibilities, and runbooks.
• Mentor junior engineers and participate in design reviews to raise technical standards.

Skills

Distributed systems

Backend engineering

REST APIs

Security compliance

Cross-functional collaboration

Technical leadership

Job description

About Remitly

Remitly is on a mission to transform the lives of immigrants and their families by providing the most trusted financial services on the planet. Since 2011, we have grown to serve millions of customers across 170+ countries and are building products that enable receivers to save, spend, and thrive in their home countries.

The Role

As a Senior Software Development Engineer (SDE3) on the Receiver Products team, you will design and build core services for a new generation of financial products aimed at the people who receive remittances. You will take well‑scoped, ambiguous problems—such as a new savings feature or a new disbursement integration—and turn them into reliable, secure, production‑grade systems used by millions of people.

What You’ll Do

• Design & Build Receiver Financial Services: Design and deliver backend services and features that power receivers’ ability to save and spend money in their home countries— from account structures to transaction flows. Write clear technical designs and RFCs for your projects, incorporating feedback from senior and principal engineers. Make sound day‑to‑day technical decisions on service boundaries, data models, and API contracts within an established architecture.
• Integrate with the Remitly Money‑Movement Platform: Build integrations between receiver‑side capabilities and Remitly’s global money‑movement infrastructure—disbursements, FX, liquidity, and compliance systems. Ensure safe, consistent hand‑offs between send‑side and receive‑side flows, with strong data consistency and auditability. Follow and help refine platform standards for cross‑service communication, idempotency, and failure handling.
• Build with Security & Compliance in Mind: Apply security and compliance requirements from the start, partnering with Compliance and Security Engineering on AML, KYC, and local regulatory needs. Implement least‑privilege access, encryption at rest and in transit, and audit trails as standard practice. Participate in threat‑modeling exercises and resolve vulnerabilities in the services you own.
• Operate at Scale: Build services that perform reliably under real production load and scale gracefully as the receiver base grows. Help define and meet SLOs and error budgets for the services you own. Carry on‑call responsibilities, write runbooks, and contribute to blameless post‑mortems that improve the team’s operational practices.
• Grow the Team: Mentor SDE1/SDE2 engineers through code review, pairing, and design feedback. Actively participate in design reviews—both giving and receiving feedback—and help raise the technical bar on your team. Partner closely with your engineering manager and product manager to turn ambiguous problems into executable technical plans.

Who You Are

Required Qualifications

• 5+ years of professional software engineering experience, including designing and operating production distributed systems.
• Track record of owning a project end‑to‑end—from technical design through launch and operation.
• Solid backend engineering fundamentals: service‑oriented or event‑driven architectures, RESTful or async APIs, and relational or distributed databases.
• Working knowledge of security and compliance considerations in regulated or sensitive‑data environments (fintech, banking, payments, or healthcare a plus).
• Comfortable collaborating across engineering, product, and operations to get things done.
• Clear written and verbal communication—able to explain a technical decision to both engineers and non‑engineers.

Nice to Have

• Experience building financial products for emerging markets (LATAM, Sub‑Saharan Africa, South/Southeast Asia, or similar).
• Exposure to payments infrastructure: card rails, ACH, real‑time payment networks, mobile money, or digital wallets.
• Familiarity with AML/KYC frameworks, PCI‑DSS, or SOC 2 in a software context.
• Experience integrating with partner financial institutions, fintechs, or licensed payment processors via API.
• Interest in growing toward broader technical leadership—mentoring, RFC authorship, cross‑team design work.

Why Remitly

Mission that matters: every line of code you write moves real money for real families. Meaningful ownership: ship features and services end‑to‑end on a new, fast‑moving product surface. Global scale: build for users across dozens of countries, with real distributed‑systems challenges. Strong fundamentals: build on top of a proven, high‑reliability platform with mature engineering practices. Growth path: close partnership with senior and principal engineers, with a clear track toward Staff‑level scope. Competitive compensation: salary, equity, and comprehensive benefits—details shared during the recruitment process. Flexible work: hybrid model with offices in Seattle, London, and other global hubs.

Remitly is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.