Senior Staff Software Engineer, Payments

Coinbase; Bismarck (ND); Hybrid; USD 234,000 - 286,000; Full time

Benefits offered by this job

Equity

Bonus eligibility

Benefits

Job summary

Coinbase is seeking a Senior Staff Software Engineer for the Platform Payments team. You will shape the engineering vision for fiat flows across 50+ countries, owning multi-quarter strategy and global-scale services that power every customer payment experience.

You will mentor senior engineers, set financial correctness standards, and collaborate with Risk, Regulatory, and Product to balance user experience with controls and unit economics.

Qualifications

• 10+ years building and operating large-scale distributed systems in production.
• Deep money-movement architecture experience including PSPs and ISO 20022.
• Proven track record designing highly available, high-performance systems.
• Experience leading cross-functional technical initiatives and mentoring.
• Strong ability to communicate complex tradeoffs to executives and teams.
• Uses generative AI responsibly with human oversight.

Responsibilities

• Define and drive multi-quarter technical strategy for Payments across rails and transfers.
• Architect the core Payments platform for high availability, low latency, and scale.
• Lead end-to-end design of large cross-team initiatives with clear milestones.
• Set technical standards for financial correctness across payments.
• Partner with FinHub, Payments Risk, Regulatory, and Product to align architecture and economics.
• Mentor senior engineers to raise system design quality and maintainability.

Skills

Go

Java

Python

Distributed systems

Cloud-native architecture

Money-movement architecture

Leadership

Stakeholder communication

Generative AI usage

Tools

Kubernetes

SQL

Job description

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called surges. learn more about working at Coinbase.

As a Senior Staff Software Engineer on thePlatform Payments team, you'll define the engineering vision for how fiat moves into and out of Coinbase across 50+ countries and payment rails. This team builds and operates the fiat on- and off-ramps, routing, orchestration, and funds-flow services that power every customer-facing payment experience. You'll own the multi-quarter technical strategy, architect for global scale and reliability, and drive platform-level improvements that directly impact payment success rates, latency, and cost efficiency.

What you'll do:

• Define and drive the multi-quarter technical strategy for Payments spanning rails, orchestration, and transfers to support new products, geos, and significant growth in payment volume.

• Architect and evolve the core Payments platform (rails integrations, routing, and funds-flow services) for high availability, low latency, and cost efficiency at global scale.

• Lead end-to-end design and rollout of large, cross-team initiatives (e.g., new global rails, decomp/migrations, resiliency programs), breaking ambiguity into clear milestones and measurable outcomes.

• Set and enforce technical standards for financial correctness across Payments, including idempotency, reconciliation, failure-mode handling, and auditability for all money-movement paths.

• Partner with FinHub, Payments Risk, Regulatory Platform, and Product to design cohesive architectures that balance customer experience, risk controls, compliance, and unit economics.

• Provide deep technical mentorship to senior and staff engineers across Payments pods, upleveling system design quality, review rigor, and long-term maintainability.

Required Skills and Experience:

• 10+ years building and operating large-scale distributed systems in production, with deep expertise in backend programming (e.g., Go, Java, Python) and cloud-native architecture.

• Deep money-movement architecture experience including PSPs, ISO 20022, routing, double-entry ledgering, and high-volume payment systems.

• Proven track record designing highly available, high-performance systems with the ability to anticipate scaling bottlenecks and address them proactively.

• Experience leading cross-functional technical initiatives across multiple engineering teams and mentoring senior engineers in system design and long-term maintainability.

• Demonstrated ability to communicate complex technical tradeoffs clearly to executive and cross-org stakeholders and secure alignment on high-impact technical decisions.

• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

Job ID: P77633

*Pay Transparency Notice:** *Base salary varies by location (see range below). Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).

Annual base salary range (excluding equity and bonus):

$260,100-$260,100 USD

• *Equal Opportunity Employer: *Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws.

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• *Accommodations: *If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com.Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial.

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