Senior Software Engineer Remote (US)

Dream Panel LLC; Northern (KY); Hybrid; USD 150,000 - 220,000; Full time

Benefits offered by this job

Remote-first US roles

Health coverage discussed at offer

Paid time off and public holidays

Equipment stipend for a working setup

Job summary

Dream Panel is seeking a senior backend engineer to own core services behind our one-account rails—deposits, conversion, and ledgers that keep balances consistent. This is a senior IC role for someone who has shipped production financial software and is comfortable with compliance constraints.

You will design and ship backend services for account, transfer, and conversion flows, ensure observable and idempotent money movement, and review designs with a bias toward correctness.

Qualifications

• 7+ years building production backend systems, ideally in fintech or payments.
• Strong experience with APIs, data stores, and distributed systems.
• Comfort working in a regulated environment (KYC/AML is not optional here).
• Based in the United States and able to work US hours.

Responsibilities

• Design and ship backend services for account, transfer, and conversion flows
• Keep money-movement paths observable, idempotent, and recoverable
• Review designs and pull requests with a bias toward correctness over speed
• Partner with Security and Compliance before outbound funds can move
• Mentor junior engineers through design docs and production incidents

Skills

Backend systems

APIs

Distributed systems

KYC/AML compliance

US work hours

Job description

Dream Panel is a licensed platform to receive, hold, convert, spend, and earn — cash and crypto in one account. Deposit addresses can be ready instantly. Funds stay visible and unusable until verification clears, then they can convert, spend, or withdraw. We are based around a founding team that came out of traditional banking.

About the role

You will own core services behind Dream Panel’s one-account rails — deposits, conversion, and the ledgers that keep balances consistent. This is a senior IC role for someone who has shipped production financial software and is comfortable with compliance constraints.

What you'll do

• Design and ship backend services for account, transfer, and conversion flows
• Keep money-movement paths observable, idempotent, and recoverable
• Review designs and pull requests with a bias toward correctness over speed
• Partner with Security and Compliance before outbound funds can move
• Mentor junior engineers through design docs and production incidents

What we're looking for

• 7+ years building production backend systems, ideally in fintech or payments
• Strong experience with APIs, data stores, and distributed systems
• Comfort working in a regulated environment (KYC/AML is not optional here)
• Based in the United States and able to work US hours

Nice to have

• Experience with ledgers, payment rails, or crypto infrastructure
• Go, TypeScript, or similar

Compensation

$150,000 – $220,000 USD / year

Final offers depend on experience, location, and interview performance. Equity may be discussed for eligible roles.

• Remote-first US roles unless the posting says hybrid
• Health coverage discussed at offer
• Paid time off and public holidays
• Equipment stipend for a working setup

Dream Panel is an equal opportunity employer. We consider applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status.

Hiring will follow up by email. Do not include passwords, PINs, or seed phrases.

About Dream Panel

Dream Panel is a licensed platform to receive, hold, convert, spend, and earn — cash and crypto in one account. Deposit addresses can be ready instantly. Funds stay visible and unusable until verification clears, then they can convert, spend, or withdraw. We are based around a founding team that came out of traditional banking.

About the role

You will own core services behind Dream Panel’s one-account rails — deposits, conversion, and the ledgers that keep balances consistent. This is a senior IC role for someone who has shipped production financial software and is comfortable with compliance constraints.

What you'll do

• Design and ship backend services for account, transfer, and conversion flows
• Keep money-movement paths observable, idempotent, and recoverable
• Review designs and pull requests with a bias toward correctness over speed
• Partner with Security and Compliance before outbound funds can move
• Mentor junior engineers through design docs and production incidents

What we're looking for

• 7+ years building production backend systems, ideally in fintech or payments
• Strong experience with APIs, data stores, and distributed systems
• Comfort working in a regulated environment (KYC/AML is not optional here)
• Based in the United States and able to work US hours

Nice to have

• Experience with ledgers, payment rails, or crypto infrastructure
• Go, TypeScript, or similar

Compensation

$150,000 – $220,000 USD / year

Final offers depend on experience, location, and interview performance. Equity may be discussed for eligible roles.

Benefits

• Remote-first US roles unless the posting says hybrid
• Health coverage discussed at offer
• Paid time off and public holidays
• Equipment stipend for a working setup

Dream Panel is an equal opportunity employer. We consider applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, or disability status.

Submit your application

Hiring will follow up by email. Do not include passwords, PINs, or seed phrases.

Get paid globally.

Spend instantly.

Virtual USD accounts, stablecoin conversion, cards, and staking rewards—Dream Panel handles the hard part.