Senior Software Engineer, Card Authorization

Lithic; United States; Remote; USD 160,000 - 200,000; Full time

Benefits offered by this job

Unlimited PTO

Parental leave

Sabbatical

Work from anywhere

Health insurance

401(k) match

Commuter benefit

Job summary

Lithic, the modern card issuing and processing platform, is hiring a Senior Software Engineer for Lithic’s Card Authorization team. You’ll own high-impact projects end-to-end, solving distributed-systems challenges at scale and building tools to control fraud and payment risk.

You’ll write reliable, secure code for real-time authorization, develop features like 3DS flows and monitoring, and contribute to on-call reliability.

Qualifications

• 4+ years building production backend systems.
• Experience with Rust or willingness to learn.
• Interest in AI tools to boost productivity.
• Ability to navigate ambiguity and drive practical solutions.
• Experience in payments, fintech, or fraud prevention.
• Comfort designing systems from scratch and owning end-to-end product development.

Responsibilities

• Write reliable, secure, scalable code for Lithic’s real-time authorization and fraud systems.
• Build customer-facing features such as rules improvements, 3DS flows, and fraud tooling.
• Improve the reliability of systems and participate in the team on-call rotation.
• Lead efforts to improve systems and processes within the team.

Skills

Backend design

Full stack experience

Rust learning

AI tooling

Payments/fintech

Fraud prevention

Distributed systems

Remote/async teamwork

Tools

Python

Java

Job description

Location: British Columbia, Ontario, Canada; Czechia; Netherlands; Poland; United States

Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.

Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic’s developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.

We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.

We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.

We are hiring a Senior Software Engineer for Lithic’s Card Authorization team, which owns the real-time systems that make every card authorization decision correct, reliable, and fast. The team also owns related fraud tooling, including Lithic’s Rules Engine and 3D Secure integration. You’ll own high-impact projects end-to-end, solve distributed-systems problems at scale, and help build the tools customers use to control fraud and payment risk.

What you'll do:

• Write reliable, secure, scalable code for Lithic’s real-time authorization and fraud-prevention systems with minimal tech debt
• Build customer-facing features, such as rules improvements, velocity controls, 3DS flows, fraud tooling, and transaction monitoring. Own projects from planning to launch.
• Improve the reliability of systems in team’s scope and participate in the team on-call rotation
• Lead efforts to improve systems and processes within the team

What you'll bring:

• 4+ years building production backend systems. Full stack experience is a plus.
• Experience in or desire to learn Rust; ability to understand Lithic’s system written in other programming languages (Python, Java)
• Interest and experience in leveraging AI tools to enhance productivity
• Ability to navigate ambiguity, align diverse perspectives, and drive toward practical solutions
• Experience or interest in payments, fintech, fraud prevention.
• Comfort with designing systems from scratch and owning the product development process end-to-end
• Strong written communication skills and experience working in a remote, async-first team that’s spread across time zones

The annual US salary range for this role is $160,000 to $200,000 plus equity. This salary range may be inclusive of several career levels at Lithic and will be narrowed during the interview process based on the candidate’s experience and qualifications.

This is a remote position. However, candidates must be located in the United States, Canada (Ontario or British Columbia), Netherlands, Poland, or Czech Republic. We do not offer visa sponsorship or assistance.

Benefits for Full-Time US Employees:

• Unlimited PTO
• 12-weeks fully paid parental leave
• 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)
• Work From Anywhere: work from anywhere in the world 4-weeks each year
• 3% cashback on card purchases with your complimentary Privacy.com employee account
• Health, vision, and dental insurance; HSA Contribution Match
• 401(k) match
• Voluntary Life Insurance and STD/LTD

NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.

In-office employees receive:

• Commuter benefit
• Catered lunch every Tuesday and Thursday