Sr. Software Engineer, Backend

Sr. Software Engineer, Backend (Payments & Ledger) 16 hours ago Be among the first 25 applicants What We’re Doing At Synctera, we’re powering the future of FinTech. We help companies create new revenue streams and enhance their value proposition with FinTech apps and embedded banking products. With APIs, compliance support, and bank partners in one end-to-end Banking as a Service platform, Synctera is the fastest and easiest way to build, launch, and scale bank accounts, debit cards, charge cards, lending, and more. We help banks increase deposits and non-interest income by expanding their footprint through FinTech and embedded finance partnerships. The Synctera Platform enables banks to manage their program through a fully compliant, scalable solution. We are looking for interesting, curious, wickedly smart people who are ready to jump in and run with our fast-growing team. If you want to have fun at work, collaborate with some of the sharpest people in the industry, grow the FinTech and Banking as a Service ecosystem, and love to win, read on How We Build At Synctera, engineers play a hands‑on role in building and evolving our core platform. With smaller teams and fewer layers, engineers have real ownership over their work, move quickly from idea to execution, and contribute directly to technical decisions that matter. You’ll work on internal systems that must be reliable, secure, and scalable, while helping shape how the platform continues to grow and mature. It’s an environment designed for engineers who enjoy meaningful impact, autonomy, and solving complex problems in a regulated, real‑world context. Our Stack Our platform is built in Go (for backend services) and React with TypeScript (for the Synctera Console, our frontend). We’re built on top of Google Cloud Platform and typically use Postgres (Cloud SQL, AlloyDB), Redis (Cloud Memorystore), and Pub/Sub as our core application stack, with OpenAPI specifications being used to both document our API and be the foundation for inter‑service communication. Our infrastructure is predominantly a mixture of Kubernetes (Google Kubernetes Engine) and Cloud Run (Google’s serverless compute platform), with Terraform orchestrating infrastructure, and tools like Argo facilitating deployments. What We’re Looking For The Payments and Ledger team is critical to Synctera’s operations, responsible for ensuring that all financial transactions are processed reliably and securely. Their core mission involves three main areas: designing, building, and maintaining the fundamental services that facilitate the reliable and secure movement of funds through Synctera’s system; ensuring that all balances are correctly recorded and that the ledger system maintains accurate financial integrity; and focusing on building scalable systems that meet all regulatory and compliance standards, making financial operations ready for audits at any time. The role is highly autonomous, and the engineer will significantly influence the development of payment solutions for various use cases. This involves collaborating extensively with internal and external stakeholders, including Risk & Compliance (to ensure adherence to regulations), Operations (to streamline financial processes), and external partners like Vendors, FinTechs, and Banks (to integrate and meet mutual business requirements). What You’ll Do Build and maintain scalable, reliable backend services in Go (Golang) Design and implement robust, secure, and scalable payment processing systems supporting both real‑time and batch payment rails Ensure high availability and fault tolerance of critical financial services Enhance and maintain a double‑entry ledger system to reflect financial transactions across accounts Build integrations with third‑party payment processors and vendors Find cleaner, simpler ways to solve technical problems and improve existing systems Collaborate closely with cross‑functional teams to solve engineering problems Partner with Product and Engineering teams to understand complex financial services challenges and design solutions Identify and implement process improvements and development best practices that raise the bar for quality and efficiency Advocate for and mentor software engineers in development best practices, fostering skill and knowledge‑sharing across the team What You’ll Bring 4‑6+ years of professional work experience as a software engineer Experience with Go or a comparable structured and opinionated language Experience with PostgreSQL or other relational databases Experience with at least one major cloud provider, preferably Google Cloud Experience in using and creating RESTful APIs, which will be consumed by our frontend engineers and our customers Nice to have: Experience being a part of early‑stage, fast‑moving engineering teams Experience with Python / GitLab APIs / Google Cloud APIs Familiarity with payment rails and financial systems Knowledge of ISO 20022 or other financial messaging standards Diversity & Inclusion Synctera is committed to having a workforce that is reflective of the diversity within the United States and Canada. As an equal opportunity employer, we encourage applications from candidates from underrepresented communities, Indigenous persons, persons with disabilities, persons of diverse sexual orientation and gender identity, and all those who can provide different perspectives and contribute to the diversification of Synctera. Benefits 100% employer paid medical, dental, and vision benefits for US and Canadian employees and dependents Employer contribution to HSA for US employees Annual HCSA and generous extended health care coverage for Canadian employees and dependents 401(k) for US employees and RRSP for Canadian employees Mental health resources available for all employees Unlimited paid time off Generous paid new parent leave program Home office setup stipend Stock options program for all employees Growth potential and opportunity to have a significant impact at an early stage of our company's journey Working alongside a skilled and passionate team The base salary for this full‑time position (USD: $150,000 - $190,000, CAD: $130,000 - $180,000) is determined by role, level, and location. The range informed in this job posting reflects the minimum and maximum target for new hire salaries across all US and Canadian locations. Within the range, individual pay will be determined by work location, job‑related skills, experience, relevant training, and other factors. #J-18808-Ljbffr