Senior Software Engineer - Payments & Treasury Global - Remote - Eastern Time Zone

AlpacaJapan Co., Ltd; Mississippi; Remote; USD 90,000 - 150,000; Full time

Job summary

Join a forward-thinking company as a Senior Backend Software Engineer on the Payments team, where you'll architect and build scalable financial systems that handle billions in transactions daily. This role offers the chance to work with cutting-edge technologies in a globally distributed team dedicated to innovation and open-source contributions. You'll be responsible for ensuring financial integrity and regulatory compliance while mentoring junior engineers. With a commitment to diversity and a vibrant company culture, this is an exciting opportunity to make a significant impact in the fintech space.

Benefits

Competitive Salary & Stock Options

Health Benefits

Home-Office Setup Stipend

Monthly Stipend

Qualifications

• 5+ years of backend engineering experience, focusing on distributed systems.
• Strong expertise in Go and payment processing systems.

Responsibilities

• Design and implement scalable payment processing systems.
• Develop automated reconciliation systems and maintain financial ledger.

Skills

Go

Distributed Systems

Financial Transactions

Payment Processing

Problem-Solving

System Design

Tools

PostgreSQL

Kubernetes

gRPC

RESTful APIs

Job description

Senior Software Engineer - Payments & Treasury

Global - Remote - Eastern Time Zone

Who We Are:

Alpaca is a US California headquartered brokerage infrastructure technology company and self-clearing broker-dealer, delivering execution and custody solutions for Stocks, ETFs, Options, Cryptocurrencies, and more, and has raised over $170 million in funding. Amongst our subsidiaries, Alpaca is a licensed financial services company in multiple countries, and we serve hundreds of financial institutions globally such as broker-dealers, investment advisors, hedge funds, and crypto exchanges.

Alpaca’s globally distributed team members bring in diverse experiences such as engineers, traders, and brokerage professionals to achieve our Mission of opening financial services to everyone on the planet. We are also deeply committed to open-source contributions and fostering a vibrant community. We will continue to enhance and improve our award-winning developer-friendly API and the infrastructure behind it.

Our Team Members:

We’re a team of 150+ globally distributed members who love working from our favorite places worldwide. Our team spans the USA, Canada, Japan, Hungary, Nigeria, Brazil, the United Kingdom, and more!

We’re looking for candidates eager to join Alpaca’s growing organization, who are excited about our Mission of “Open financial services to everyone on the planet and share our Values of “Stay Curious,” “Have Empathy,” and “Be Accountable.”

Your Role

As a Senior Backend Software Engineer on our Payments team, you will architect, build, and scale mission-critical financial systems that form the foundation of Alpaca's global treasury platform. You'll be responsible for systems that process billions of dollars in transactions daily while ensuring financial integrity, regulatory compliance, and operational excellence.

Key Responsibilities:

• Design and implement robust, scalable payment processing systems that support ACH and SWIFT payment rails, with architecture capable of expanding to additional payment networks across multiple jurisdictions.
• Architect and maintain financial ledger systems that enforce proper accounting principles, including double-entry bookkeeping, balance sheet integrity, and transaction immutability.
• Develop two-phase transfer mechanisms that ensure atomicity, consistency, isolation, and durability (ACID) in financial transactions.
• Create automated reconciliation systems for transaction verification, account balancing, and error detection.
• Implement financial controls, including segregation of duties, approvals workflow, and audit trails.
• Build and enhance settlement systems that maintain perfect financial record-keeping with complete audit history.
• Design and implement secure, auditable APIs for internal and external payment services.
• Contribute to technical decision-making for the payments infrastructure roadmap.
• Mentor junior engineers and participate in code reviews to maintain high engineering standards.

Technical Environment:

• Backend services primarily written in Go with a microservices architecture.
• API services using gRPC for internal communication and RESTful interfaces for external systems.
• PostgreSQL for transactional data with strong consistency requirements.
• Kubernetes for containerization and orchestration on Google Cloud Platform.
• Rigorous testing practices, including unit, integration, and end-to-end tests.
• Continuous integration and deployment pipelines.

Must-Haves:

• 5+ years of backend engineering experience with at least 3 years working with distributed systems at scale.
• Strong expertise in Go, including production experience building and maintaining Go microservices.
• Deep understanding of financial transactions, payment processing systems, and transaction safety.
• Experience with ACH and SWIFT payment networks and their technical requirements.
• Strong knowledge of financial accounting principles including:
• Double-entry accounting with debits and credits.
• Trial balance reconciliation.
• Financial reporting and statement generation.
• Transaction matching and exception handling.
• Experience with two-phase commit protocols or similar transaction safety mechanisms.
• Experience designing and implementing gRPC services and API gateways.
• Proven experience with relational databases (preferably PostgreSQL) for financial record-keeping.
• Experience working with distributed systems, eventual consistency, and event sourcing.
• Strong system design skills with the ability to make architectural decisions and trade-offs.
• Excellent problem-solving skills with a focus on reliability, security, and auditability.

Nice-to-Haves:

• Experience with international payment processing systems and multi-currency infrastructure.
• Knowledge of ISO20022 financial messaging standards and implementation.
• Experience with banking APIs and integration with core banking systems.
• Familiarity with financial regulations related to money movement, including AML/KYC requirements.
• Understanding of regulatory frameworks for cross-border transactions.
• Experience building financial systems that support multiple jurisdictions.
• Experience mentoring engineers and providing technical leadership.
• Prior experience in fintech, brokerage, or trading systems.
• Experience with observability tools for distributed systems monitoring.
• Knowledge of security best practices for financial systems.

How We Take Care of You:

• Competitive Salary & Stock Options.
• Benefits: Health benefits start on day 1. In the US this includes Medical, Dental, Vision. In Canada, this includes supplemental health care. In Japan, you are offered local benefits. Internationally, this includes a stipend value to offset medical costs.
• New Hire Home-Office Setup: One-time USD $500.
• Monthly Stipend: USD $150 per month via a Brex Card.
• Work with awesome hard working people, super smart and cool clients and innovative partners from around the world.

Alpaca is proud to be an equal opportunity workplace dedicated to pursuing and hiring a diverse workforce.