Software Engineer - Payments

Modern Treasury; San Francisco (CA); Remote; USD 120,000 - 220,000; Full time

Job summary

A leading payment operations platform is seeking Software Engineers to join their Payments Engineering team. You will help scale payment transmission technologies and integrate solutions across banks while influencing the future of instant payments. This role offers opportunities for professional growth within a rapidly expanding company.

Qualifications

• 2+ years of professional software engineering experience.
• Experience with SQL/Relational databases.
• Experience mentoring and contributing to technical direction.

Responsibilities

• Ship payment delivery infrastructure for modernized real-time payments.
• Develop cutting-edge payment integration solutions.
• Collaborate with product teams to scope and ship products.

Skills

Collaborating with product teams

Creative problem-solving

Mentoring engineering teams

Education

Professional software engineering experience

Tools

Ruby on Rails

Postgres

Docker

AWS

Redis

Job description

Overview

This position can be based out of San Francisco, New York, or remote (we accept candidates from the following states: AZ, CA, CO, CT, FL, GA, HI, IL, MA, MI, MN, MT, NC, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA, WI).

We're looking for Software Engineers to join our Payments Engineering team to grow the scale of payment transmission and bank coverage. You will ship payment delivery infrastructure for modernized real-time payments such as RTP and FedNow. You will develop cutting-edge payment integration solutions at 50+ banks. You will expand our network of rails and currencies around the world as we grow beyond the 40+ currencies and 100+ countries we support today. You’ll be at the forefront of ensuring our payments platform is highly scalable, adaptable, and reliable.

Customers use Modern Treasury’s payment infrastructure for mission critical applications such as payroll, property management, real estate, insurance, wallets and more. The core platform at Modern Treasury sits between our customers and their banks. In the same way that Twilio abstracted away the complexity of working with communication networks, we have built an easy-to-use, common interface into the banking system. Customers use Modern Treasury’s payment infrastructure for mission critical applications such as payroll, property management, real estate, insurance, wallets and more. The companies that can use Modern Treasury move over $750 trillion a year via bank payments, as compared to only $2 trillion per year on card payments.

In this role, you’ll directly impact the evolution of our payments product. Your work will shape the future of instant payments, allowing businesses to move money faster and across borders. Experience working with high scale, high reliability services or payment adjacent problems is a plus, but not a requirement.

About Modern Treasury

Modern Treasury is the leading payment operations platform built for the Instant Economy. It helps customers build their best business with faster payments, smarter workflows, and real-time visibility—all powered by AI. The payment operations platform and best-in-class developer tools help companies move, track, and reconcile money in real-time. Founded in 2018, San Francisco-based Modern Treasury serves leading companies across broad sectors of the economy.

WEEK BY WEEK

During your first week, you will:

• Get to know our leadership, culture, and values
• Onboard with the engineering team
• Ship your first commit on day 1
• Take on 1-2 small tickets to address bugs or make minor improvements
• Read our favorite industry primers
  
  

During your first six weeks you will:

• Ship your first major project
• Shadow a few customer and partner meetings every week
  
  

During your first six months, you will:

• Lead a project that improves performance and payment workflows across multiple payment rails.
• Collaborate with our product team to scope and ship products for our enterprise users.
• Participate in shaping our roadmap, particularly around scaling and refining payment rail workflows.
• Help grow our team by mentoring new engineers, writing internal tooling and documentation, and interviewing new hires.
  
  

What You Should Have

• 2+ years of professional software engineering experience
• Experience collaborating with product teams to design features and customer-centric workflows that meet customer needs.
• Experience working with SQL/Relational databases. Experience with batched payments is a plus.
• Experience mentoring and growing engineering, as well as contributing to technical direction
• Creative problem-solving skills and a willingness to learn the nuances of both domestic and international payment systems.
• Bonus - Experience with U.S. domestic and/or global payment rails (ACH, Wires, Swift, RTP) and payments standards (ISO20022, NACHA, BAI)
  
  

TECHNOLOGIES WE USE

• Ruby on Rails for our backend framework
• Postgres for our database
• Redis for caching
• AWS for infrastructure and hosting
• Docker for containerization
• GitHub for source code management
• Buildkite for continuous integration
  
  

Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion (all aspects of religious beliefs, observance or practice, including religious dress or grooming practices), marital status, registered domestic partner status, age, national origin or ancestry (including language use restrictions and possession of a driver’s license issued under California Vehicle Code section 12801.9), natural hair, physical or mental disability, political affiliation, medical condition (including cancer or a record or history of cancer, and genetic characteristics), sex (including pregnancy, childbirth, breastfeeding or related medical condition), genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws. It also prohibits unlawful discrimination based on the perception that anyone has any of those characteristics, or is associated with a person who has or is perceived as having any of those characteristics.

Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Compensation Range: $120K - $220K