Senior Software Engineer I, Payments

Qualia; Austin (TX); Remote; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health plans

401k

Parental leave

Flexible time off

Job summary

Qualia is hiring for a senior payments-focused full-stack engineer to own and scale money-movement systems in a remote-friendly role based near Austin, TX. You’ll work on ACH/wire processing, fraud controls, and compliance-enabled architectures that touch lenders, title agents, and homebuyers.

You’ll contribute across frontend/backend layers, collaborate with Compliance, Risk, and Accounting, and mentor teammates while shipping frequently in a fast-paced, remote-first environment.

Qualifications

• 5+ years of experience as a strong full-stack web developer in production.
• Direct experience building or maintaining money-movement systems (banking/fintech/payments) preferred.
• Strong understanding of transactional integrity, idempotency, and failure-mode design in financial systems.
• Familiarity with payment rails, banking APIs, or financial compliance standards (NACHA, OFAC, PCI, SOC 2) is a plus.
• Architected large, high-stakes projects and mentored junior developers.
• Experience across multiple engineering teams and a strong product sense.

Responsibilities

• Design, build, and maintain systems that process ACH and wire transfers at scale (billions of dollars annually), including origination, settlement, reconciliation, and exception handling
• Build and harden payment-processing pipelines that integrate with banking partners, payment rails, and third-party financial APIs
• Implement controls for wire fraud prevention, transaction verification, and anomaly detection with security/compliance teams
• Improve and extend core web applications (frontend and backend) supporting escrow accounting and money movement
• Own architectural decisions for payments infrastructure: data integrity, idempotency, retry/failure handling, audit logging
• Partner with Compliance, Risk, and Accounting to meet regulatory/audit requirements (NACHA, wire fraud regs, SOC 2)
• Participate in on-call rotation for payment-critical systems

Skills

Full-stack web dev

JavaScript/TypeScript

React

MongoDB

Kubernetes

AWS

Mentoring developers

Payments/fintech experience

Tools

React

MongoDB

Kubernetes

AWS

Job description

At Qualia, we've built the leading B2B real estate technology that transforms the home buying and selling experience into a simple, secure, and enjoyable process. Our SMB and Enterprise products bring together users from across the real estate ecosystem—homebuyers and sellers, lenders, title and escrow agents, and real estate agents—onto a single shared digital closing platform, providing greater clarity and transparency to real estate transactions. Today, through our business customers across the country, millions of consumers use Qualia to close on homes every year.

WHAT YOU'LL WORK ON

Within Qualia, you'll join the Payments team. Every real estate closing ends with money changing hands: earnest money deposits, loan funding, mortgage payoffs, seller proceeds, and commissions. Qualia powers a substantial portion of U.S. residential home sales every year, totaling billions of dollars in transaction volume. The Payments team builds the systems that move those funds safely, accurately, and on time.The stakes are high. A single closing often moves hundreds of thousands of dollars between multiple parties on a tight deadline, and real estate wires are a prime target for fraud. Our mission is to make money movement the most trustworthy part of the closing, so title and escrow teams, and the homebuyers they serve, never have to wonder where their funds are.

HOW WE WORK

Our engineers are entrepreneurial, pragmatic builders who move quickly without cutting corners, and who are as comfortable owning a project end to end as they are collaborating with a team. We ship frequently, as often as multiple times a day, and work directly with design, compliance, and customer-facing teams to build payment experiences our customers depend on.

RESPONSIBILITIES

• Design, build, and maintain systems that process ACH and wire transfers at scale (billions of dollars annually), including origination, settlement, reconciliation, and exception handling
• Build and harden payment-processing pipelines that integrate with banking partners, payment rails, and third-party financial APIs
• Implement controls for wire fraud prevention, transaction verification, and anomaly detection alongside our security and compliance teams
• Improve and extend core web applications (frontend and backend) that support escrow accounting and closing-day money movement
• Own architectural decisions for payments infrastructure, including data integrity, idempotency, retry/failure handling, and audit logging
• Partner with Compliance, Risk, and Accounting stakeholders to ensure systems meet regulatory and audit requirements (e.g., NACHA rules, wire fraud regulations, SOC 2 controls)
• Participate in on-call rotation for payment-critical systems

YOUR BACKGROUND THAT LIKELY MAKES YOU A MATCH

• You've taken full ownership of complex, high-liability systems in production, and you know how to respond calmly and methodically when funds are on the line
• 5+ years of experience as a strong full-stack web developer is required
• Direct experience building or maintaining other money-movement systems (banking, fintech, payments processors, or similar regulated environments strongly preferred)
• Strong understanding of transactional integrity, idempotency, and failure-mode design in financial systems
• Familiarity with payment rails, banking APIs, or financial compliance standards (NACHA, OFAC screening, PCI, SOC 2) is a strong plus
• You have made key architectural decisions for large, high-stakes projects
• You have mentored junior developers
• You have worked on multiple engineering teams, both small and large
• Good product sense, strong attention to detail, and a passion for building systems people can trust with their money

THE TECH STACK YOU'LL USE

• JavaScript / TypeScript / NodeJS
• SPA Frontend libraries like React and MeteorJS
• MongoDB
• Microservice architecture / Kubernetes
• AWS

We are a remote-first development organization that values flexibility in how our teams work. Because of that, while the role is based in Austin, TX, we are open to remote candidates for this position. We have other physical office locations in San Francisco, California, and Concord, New Hampshire.

WHY QUALIA

Qualia is made up of incredibly bright, mission-driven coworkers who are passionate about using technology to solve real-world problems-and we're growing quickly. In order to continue building an engaging and dynamic organization, we're committed to giving everyone the support they need to do great work.

Our benefits package is designed to allow our team members to be their best selves, both in and out of the workplace. In addition to comprehensive health plans, a 401k program, and commuter benefits, we prioritize family and personal well-being through professional development, parental leave, and a flexible time off policy. Qualia offers a robust online onboarding program to train new hires, biweekly all hands meetings, and a variety of internal virtual events to keep employees connected.

We believe diverse perspectives and backgrounds are critical to building great technology, and our goal is to cultivate an environment where people feel equally valued and respected. Qualia is proud to be an equal-opportunity workplace, and we welcome applicants from all backgrounds regardless of race, color, ancestry, religion, gender identity or expression, sexual orientation, marital status, age, citizenship, socioeconomic status, disability, or veteran status.

By submitting your application, you acknowledge and agree to the collection, processing, and use of your personal information as described in our Employee Data Privacy Notice.