Senior Software Engineer - Settlement

Cari; United States; Remote; USD 140,000 - 190,000; Full time

Benefits offered by this job

Competitive base salary

Bonus

Equity

Full medical, vision, dental benefits

401(k) with company matching

Flexible PTO in a remote-first env

Opportunity to shape a market-defining

Influence over architecture strategy

Job summary

Cari is building a blockchain-based payment network and seeks a generalist backend engineer to own major pieces of the platform end-to-end. You will develop the bank-facing dashboards, TypeScript services, and interbank settlement workflows, while enabling secure, reliable bank integrations.

You will work with product, design, DevOps, and partner teams to ship in production, maintain data integrity in PostgreSQL, and improve tooling, testing, and observability for a small, fast-moving team.

Qualifications

• 5+ years of experience building production software, with a focus on backend services and cloud application architecture.
• Strong expertise in TypeScript across both the front end and the back end.
• Deep experience with React, modern component architecture, state management patterns, and data-heavy workflows.
• Solid Node.js experience building REST APIs and event-driven services (we use Fastify on Node 24).
• Comfort owning a feature from schema to UI
• Experience with asynchronous workflows, webhooks, and keeping UI state in sync with backend transaction states.
• Experience building responsive, polished, high-quality user interfaces for complex workflows.
• Strong product sense and attention to usability, implementation quality, and maintainability.
• Experience with cloud application architecture, microservices, event-driven messaging (e.g., Kafka), and durable workflow orchestration (Restate).

Responsibilities

• Build and evolve our bank-facing management dashboard: bank onboarding, user and role management (RBAC), transaction monitoring, settlement operations, interbank book transfer tracking, and developer tooling such as API keys and webhooks.
• Design and ship the TypeScript backend services that power those experiences — orchestration, bank, transaction, bilateral netting, and settlement APIs.
• Build and maintain integrations with bank partners and third-party platforms, including provider adapters, webhook-driven flows, and real-time event updates.
• Model and evolve the PostgreSQL schemas behind core banking entities, with the correctness and auditability of financial data demands.
• Raise the engineering bar: automated testing, CI/CD, observability, release engineering, and deployment practices in collaboration with DevOps that let a small team ship safely and often.
• Work with product and design to turn tokenization complexity into familiar banking primitives rather than crypto concepts.
• Write the documentation, integration guides, and reference implementations that let bank partners adopt Cari without hand-holding.

Skills

TypeScript

React

Node.js

REST APIs

Event-driven architecture

Cloud architecture

Microservices

RBAC / security

PostgreSQL

CI/CD

Tools

Fastify

PostgreSQL

AWS

Docker

Kubernetes

GitHub Actions

Vitest

node-tap

Kafka

Restate

Job description

About Cari

The Cari Network is building a blockchain-based payment system powering real-time, 24/7 movement of digital money across the traditional finance and digital asset ecosystems. A pre-launch startup, we’re creating an entirely new category of financial infrastructure that brings cash on chain through tokenization while powering the full spectrum of payments for our network — banks and most importantly, the customers they serve.

About the Role

You will own major parts of the Cari platform end to end — the management dashboards our bank partners use, the TypeScript services behind them, interbank settlement workflows, and the integrations that connect us to bank systems and third-party platforms.

This is a generalist role on a small team. You’ll move across the stack, take on the highest-leverage problem each quarter, and support services running in production. You’ll work closely with product, design, DevOps, and partner-facing teams to make the Cari experience fast to adopt, secure, and reliable for bank partners.

What You’ll Do

• Build and evolve our bank-facing management dashboard: bank onboarding, user and role management (RBAC), transaction monitoring, settlement operations, interbank book transfer tracking, and developer tooling such as API keys and webhooks.

• Design and ship the TypeScript backend services that power those experiences — orchestration, bank, transaction, bilateral netting, and settlement APIs.

• Build and maintain integrations with bank partners and third-party platforms, including provider adapters, webhook-driven flows, and real-time event updates.

• Model and evolve the PostgreSQL schemas behind core banking entities, with the correctness and auditability of financial data demands.

• Raise the engineering bar: automated testing, CI/CD, observability, release engineering, and deployment practices in collaboration with DevOps that let a small team ship safely and often.

• Work with product and design to turn tokenization complexity into familiar banking primitives rather than crypto concepts.

• Write the documentation, integration guides, and reference implementations that let bank partners adopt Cari without hand-holding.

Qualifications

• 5+ years of experience building production software, with a focus on backend services and cloud application architecture.

• Strong expertise in TypeScript across both the front end and the back end.

• Deep experience with React, modern component architecture, state management patterns, and data-heavy workflows.

• Solid Node.js experience building REST APIs and event-driven services (we use Fastify on Node 24).

• Comfort owning a feature from schema to UI

• Experience with asynchronous workflows, webhooks, and keeping UI state in sync with backend transaction states.

• Experience building responsive, polished, high-quality user interfaces for complex workflows.

• Strong product sense and attention to usability, implementation quality, and maintainability.

• Experience with cloud application architecture, microservices, event-driven messaging (e.g., Kafka), and durable workflow orchestration (e.g., Restate).

Nice to Haves

• Hands-on experience with cloud infrastructure, containerization, and deployment orchestration (e.g., AWS, Docker, Kubernetes).

• Mature CI/CD and testing practice — GitHub Actions, node-tap on the backend and Vitest on the front end, and meaningful test coverage.

• Experience working with banking systems, fintech infrastructure, payment products, or interbank settlement mechanics.

• Familiarity with ACH, wires, RTP, FedNow, or other bank payment rails.

• Experience with observability, tracing, or audit logging in financial systems.

• Exposure to security and compliance expectations in regulated environments.

• Experience with theming, white-labeling, and multi-tenant product customization.

What We Offer

• Competitive base salary, bonus, and equity

• Full medical, vision, dental benefits

• 401(k) with company matching

• Flexible PTO in a remote-first environment

• Opportunity to shape a market-defining protocol with an experienced founding team

• Influence over architecture strategy at the earliest stage

Security Responsibilities

_ Applies to all Cari employees _

• Comply with all Cari information security policies, including the Acceptable Use Policy, and complete required security awareness training.

• Protect the confidentiality, integrity, and availability of Cari systems and data, including bank-partner and customer information, consistent with least-privilege access principles.