Senior Software Engineer, Fiat Payments & Banking Infrastructure

Zero Hash; United States; On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

Healthcare Insurance

Vision & Dental Insurance

Chance to earn equity

Maternity & Paternity leave

WeWork All Access Membership

WFH Yearly Stipend

L&D Yearly Stipend

Job summary

Zero Hash is searching for a Senior+ Software Engineer to architect and build their fiat payment systems, scaling operations for Finance 2.0. This is a critical role focused on developing integrations with banking partners and ensuring robust financial infrastructure.

Ideal candidates will have over 7 years of software engineering experience, proficiency in Golang, and a strong background in payment systems. Comprehensive benefits including healthcare coverage and a chance to earn equity are offered.

Qualifications

• 7+ years of software engineering experience focused on Payments, FinTech, or BaaS infrastructure.
• Deep proficiency with Golang in a production environment.
• Strong expertise in SQL and complex database schema design.

Responsibilities

• Lead architectural design and development of global fiat payment rails.
• Architect and scale API integrations with banking partners.
• Develop treasury management software for automated liquidity management.

Skills

Golang

Payments

FinTech

SQL

Education

Bachelor's in Computer Science or equivalent experience

Tools

Kafka

ZeroMQ

NATS

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)