Software Engineer - Money Engineering

Atoms; New York (NY); On-site; USD 145,000 - 183,250; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k)

Discretionary vacation days

Job summary

Atoms is seeking a Software Engineer to develop resilient, scalable money platform capabilities in New York. You'll collaborate cross-functionally throughout the product lifecycle, ensuring reliability and security.

Ideal candidates have 3+ years in financial tech, proficient in Java or Go, with a good grasp of payment systems. The role demands a passion for solving complex challenges in the financial domain.

Atoms offers a salary of $145,000 - $183,250 per year along with comprehensive benefits that support your health and well-being.

Qualifications

• 3+ years of software engineering experience in financial technology.
• Understanding of payment processing lifecycle.
• Experience in architecting distributed systems.

Responsibilities

• Engineer and maintain core money platform capabilities.
• Take ownership of operations and availability.
• Collaborate with product management, design & analytics.

Skills

Backend programming (Java or Go)

Relational and/or NoSQL databases (PostgreSQL, Redis)

Cloud platforms (AWS, Google Cloud, Azure)

RESTful APIs

Debugging and problem-solving

Tools

Payment gateways (Stripe, Adyen, PayPal)

Job description

Overview

Atoms is building the machines that power the next era of progress. Over the last decade, software has transformed the digital world, but the physical world remains less intelligent and less efficient. Atoms builds Physical AI— real-world robots for the industries that move civilization forward, starting with food, mining, and transport. Our systems are designed to understand, predict, and control the real world with precision, turning complex physical operations into something more reliable, more scalable, and more productive. This work requires deep integration across hardware, software, AI, operations, manufacturing, and real estate. We don’t just build machines in a lab. We deploy them into real environments, operate them, learn from them, and improve them until they work at scale. We are roboticists, engineers, operators, and builders who believe the next great technology companies will transform not only information, but the physical systems that shape everyday life. If you want to work on hard problems with real-world impact, join us.

What You’ll Do

• Engineer and maintain our core money platform capabilities, focusing on high availability, security, and scalability.
• You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, policies, testing and alerting in place to support “keep the lights on” and on-call efforts.
• You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.

What We’re Looking For

We value engineers who are passionate about building resilient, trustworthy financial systems and are excited to solve complex problems in the money domain.

Basic Qualifications

• Proficiency in backend programming languages like Java or Go.
• Familiarity with relational and/or NoSQL databases (e.g., PostgreSQL, Redis).
• Experience with cloud platforms like AWS, Google Cloud, or Azure.
• Understanding of RESTful APIs, microservices, and distributed systems.
• Strong debugging and problem-solving skills.

Preferred Qualifications

• 3+ years of professional software engineering experience, with significant time spent in payments, billing, or financial technology.
• Deep understanding of the payment processing lifecycle, including authorization, capture, settlement, and reconciliation.
• Direct experience with payment gateways (e.g., Stripe, Adyen, PayPal).
• Demonstrated experience in architecting and operating large-scale, fault-tolerant distributed systems that handle financial data.
• Knowledge of fraud detection techniques and experience building or integrating with risk management systems.

Why join us

At Atoms, you’ll work on one of the defining challenges of our time—bringing automation into the physical world to drive real, lasting impact. We exist to uncover valuable unknown truths and turn them into progress, which means constantly pushing beyond what’s known and building what doesn’t yet exist. The work is ambitious and often challenging, but it’s grounded in a shared sense of purpose and a team committed to seeing it through together. Our work only matters if it serves others, and we know that meaningful progress depends on the trust of the people we serve and the strength of our team—so we invest in both, creating an environment where you can do your best work and grow.

What Else You Need To Know

This role is based in our New York office. Atoms is a company driven by invention and continuous change – we are constantly reimagining our industries, building new products, and refining how we operate. We do our best work together. That’s why all of our office-based teams work onsite, five days a week.

The base salary range for this role is $145,000 - $183,250 per year. Actual compensation will be determined on an individual basis and may vary depending on experience, skills, and qualifications. Base salary is just one part of your total rewards package. You may also be eligible for equity awards and an annual performance-based bonus.

Benefits

• Medical, dental, and vision insurance (multiple plans, incl. HSA options).
• Company-paid life and disability insurance (short- and long-term).
• Voluntary insurance: accident, critical illness, hospital indemnity.
• Optional supplemental life insurance for self, spouse, and children.
• Pet insurance discount.
• 401(k).
• Health Savings Account (HSA)
• Flexible Spending Accounts (Healthcare, Dependent Care, Commuter)
• Time Off policies: Discretionary vacation days; 8 paid holidays per year; Paid sick time; Paid Bereavement leave; Paid Parental Leave.

Benefits Are Subject To Change At The Company's Discretion.

Atoms accepts applications on an ongoing basis.

Ready to join us as we serve those who serve others?