Senior Software Engineer (Payments)

Qualia; Austin (TX); On-site; USD 140,000 - 180,000; Full time

Benefits offered by this job

Medical, Dental & Vision

Flexible schedules

Unlimited learning

Stock options

Daily catered meals

Job summary

Qualia is seeking an experienced full‑stack engineer to join the Payments team. You’ll own and build systems moving funds—ACH, wires, and related workflows—across a high‑stakes real estate closing ecosystem.

You will collaborate with design, compliance, and customer-facing teams to deliver secure, scalable payment experiences. Strong emphasis on transactional integrity and production ownership in regulated environments.

Qualifications

• 5+ years of experience as a strong full‑stack web developer.
• Strong understanding of transactional integrity, idempotency, and failure‑mode design in financial systems.
• Direct experience building or maintaining money-movement systems (banking, fintech, payments processors, or similar regulated environments) preferred.
• Led multiple engineering teams and mentored junior developers.
• Familiarity with payment rails, banking APIs, or financial compliance standards (NACHA, SOC 2) is a strong plus.
• You’ve taken full ownership of complex, high‑liability systems in production and respond calmly under pressure.

Responsibilities

• Design, build, and maintain payment systems that handle ACH and wires at scale.
• Develop and harden payment-processing pipelines with banking partners and APIs.
• Implement controls for wire fraud prevention and anomaly detection with security/compliance teams.
• Improve core web applications supporting escrow accounting and money movement.
• Own architectural decisions for payments infrastructure including auditing and idempotency.
• Collaborate with Compliance, Risk, and Accounting to meet regulatory and audit requirements.
• Participate in on-call rotation for payment-critical systems.

Skills

Full-stack development

Transactional integrity

Mentoring

On-call readiness

Payments knowledge

Regulatory compliance familiarity

Tools

JavaScript

TypeScript

NodeJS

React

MeteorJS

MongoDB

Kubernetes

AWS

Job description

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

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

• 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
• THE TECH STACK YOU’LL USE:
• JavaScript / TypeScript / NodeJS
• SPA Frontend libraries like React and MeteorJS
• MongoDB
• Microservice architecture / Kubernetes
• AWS

Benefits

• Medical, Dental & Vision: Healthcare plans to keep your mind and body healthy.
• Competitive salary & equity: Our team builds together and benefits together.
• Flexible schedules: Our focus is on results so work at your peak hours.
• Customized workstations: It helps to build the best when your tools are the best.
• Unlimited learning: Better yourself with in-house and external courses.
• Hot meals & a stocked kitchen: Daily catered lunches so you’re always well fed.

You have made key architectural decisions for large, high-stakes projectsYou have mentored junior developers5+ years of experience as a strong full-stack web developer is requiredStrong understanding of transactional integrity, idempotency, and failure-mode design in financial systemsDirect experience building or maintaining other money-movement systems (banking, fintech, payments processors, or similar regulated environments strongly preferred)You have worked on multiple engineering teams, both small and largeGood product sense, strong attention to detail, and a passion for building systems people can trust with their moneyFamiliarity with payment rails, banking APIs, or financial compliance standards (NACHA, OFAC screening, PCI, SOC 2) is a strong plusYou’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