Software Engineer, Payments

Ladders; United States; On-site; USD 162,000 - 180,000; Full time

Benefits offered by this job

Remote work eligibility

Bonus & equity

Travel credits

Job summary

Ladders is seeking a Software Engineer, Payments to join our team and help build scalable payment and risk systems for secure transactions. You will collaborate with cross-functional partners to address fraud, mitigate risk, and strengthen the foundations behind payment operations. Location: Remote - US-based candidates only.

Compensation: $162,000–$180,000 annually, with bonuses and equity opportunities. This role offers the chance to influence engineering practices, observability, and product

Qualifications

• 3+ years in Payments/Fintech as a backend software engineer.
• Proficiency in Java, Kotlin, or Python with React exposure a plus.
• Experience with architectures for large web applications.

Responsibilities

• Design and build scalable systems for risk detection and mitigation
• Collaborate with cross-functional teams to address fraud and risk issues
• Maintain integrations with third-party payment vendors
• Iterate on risk detection strategies as scenarios evolve
• Monitor and improve the quality and observability of risk systems
• Advance engineering processes and technical foundations across teams

Skills

Java

Kotlin

Python

Job description

For our client, we are seeking a Software Engineer, Payments to join the team of a leader in the Business Services space.

This role will focus on building and improving scalable payment and risk-related systems that support secure, reliable transaction experiences. You will collaborate closely with cross-functional partners to address fraud, mitigate risk, and strengthen the technical foundations behind payment operations. The position also offers the opportunity to influence engineering practices, observability, and product quality across the team.

Location: Remote - US based candidates only, no visa sponsorship available

Compensation: $162,000 – $180,000 annually

Responsibilities

• Design and build scalable systems for risk detection and mitigation
• Collaborate with cross-functional teams to address fraud and risk issues
• Maintain integrations with third-party payment vendors
• Iterate on risk detection strategies as scenarios evolve
• Monitor and improve the quality and observability of risk systems
• Advance engineering processes and technical foundations across teams

Qualifications

• 3+ years in Payments/Fintech as a backend software engineer
• Proficiency in Java, Kotlin, or Python; exposure to React is a plus
• Experience with architectural patterns for large web applications
• Strong focus on delivering end-to-end products, from ideation to A/B testing
• Commitment to high code quality and engineering best practices
• Collaborative mindset for working in cross-functional teams
• Familiarity with experimentation and machine learning techniques

Benefits

• Remote work eligibility with occasional in-office attendance
• Opportunities for bonuses and equity
• Employee travel credits
• Supportive company culture fostering collaboration and innovation

Our client is an equal opportunity employer. We encourage you to apply even if you don’t meet every qualification—your background could be exactly what this team needs.