Backend Engineer

We are looking for a talented and dedicated Senior Backend Engineer to join our growing Compliance Tech team. You will play a critical role in designing and building robust, scalable systems that ensure the organisation's operations adhere to regulatory requirements. This role will collaborate closely with product, risk, compliance, and data teams to translate complex regulatory needs into technical solutions, ensuring data integrity, security, and audibility. That's why the role requires a particular level of autonomy and accountability.

What you can expect to be doing :

• Work with Product to improve the compliance posture of the company
• Build tools to enable user authentication, integration with compliance third-party providers : KYC, PEPS checks, etc.
• Improve user onboarding by reducing friction and reducing churn, while maintaining the compliance posture
• Improve data governance
• Build both green-field microservices that handle specific functions, but also integrate with existing systems

• Experience working with Kubernetes, Terraform & Docker images
• Experience with a cloud-based platform (preferably AWS)
• Programming language experience in PHP or GO
• Familiarity with SAST and DAST tools
• Strong knowledge of CI / CD pipelines & how to maintain them
• An understanding of Microservices and Event-Driven architecture
• Interest in risk and compliance, and keeping up to date with the latest findings
• Proven record of working in agile environments
• Be able to work on your own or as part of a small team
• Experience working with sensitive data and data governance
• Self-driven, happy to take on challenges and upskill more junior team members

Someone with a genuine interest in Chip and is excited about being part of a fast-growing company and our mission to build the investment super app of the future. Although we're in the financial space, and under the scrutiny that comes with it, the current engineering team works well together, and even sometimes with a smile. We're sure you've got the technical skills, otherwise, you would have stopped reading by now, so let us be clear on what will make us want to work with you. We want a real person, with interests outside of work, to join our team. You could be a dancer, a gamer, a musician, a parent, a hockey fan, or even that one person that still writes Twilight fan-fiction. Doesn't matter to us. At the interview stages, we will be looking for empathy, eq, fun stories, and the ability to smile even when things are tough. Working Hours

• Monday to Thursday : 9 : 00 AM - 6 : 00 PM

• Friday : 8 : 00 AM - 4 : 00 PM (Start your weekend early!) Enjoy a structured yet balanced workweek, with an early Friday finish to kickstart your weekend! PERKS

• £75,000 - £80,000 per annum

• Discretionary Performance-Related Bi-Annual Bonus of up to 10% (Cash) and 5% (Shares) based on your gross annual salary.

• Workplace pension scheme - We invest in your future with a workplace pension scheme , contributing 5% on earnings up to £50,000 . Plan ahead with confidence while you grow your career!

• Fully comprehensive private medical insurance (medical history disregarded)

• Employee Assistance Programme

• Cycle to work scheme

• Season ticket loan

• Free ChipX subscription for UK-based employees

• We are an equal-opportunity employer and value diversity

• Flexible working arrangements

• 28 days holiday plus bank holidays, plus the days between Christmas and New Year ️

• Annual training budget for courses, workshops, or conferences to help you advance your career.

• £30 per month Chip Fitness Benefit to suit your Mental / Physical Wellbeing

• Company laptop

• Opportunity to have a huge impact on our product while fast-tracking your knowledge, responsibility and skills in a high-growth fintech startup Our Interview Process :

• Video screen with someone from our Talent team

• Short take-home test

• Video interview with the hiring manager

• Final interview with Product Manager About Chip Our mission is to make our customers wealthy. We're building the wealth super app of the future. An app to build your long-term wealth across savings, investments and pensions.

We use technology to break down barriers so users can invest like the ultra-wealthy, giving them one simple place to manage, grow and protect their wealth. The Sunday Times listed Chip as the 6th fastest growing tech company in Britain… and we're not slowing down. Chip serves over 400,000 active customers and looks after over £6billion in assets. These customers trust us to build the most amazing product we can, so working at Chip comes with real purpose. Chip is being built by a fast-growing team of designers, developers, customer service professionals, marketers, banking experts, and entrepreneurs. Our funding story though is a little different. Chip is one of the most crowd-funded businesses in Europe, having raised over £50m from 29,000 investors, over 9 years. Crowdfunding is in our DNA and only Brewdog has more investors than Chip. Our vision We know planning for your future can be a tedious, daunting task often avoided, so we want to change that. We're building the wealth app for our community, giving them one place for saving and investing. We're giving customers control and guidance to effortlessly build their long-term wealth using award-winning tech, while celebrating their achievements along the way. Who we are Chip has a creative and diverse team of 180, from all different backgrounds and industries. We're driven and passionate people, but no one takes themselves too seriously. Don't just take our word for it. We have a few awards under our belt, including Best Personal Finance App at the 2022, 2024 & 2025 British Bank Awards. Our Values Be ACCOUNTABLE Everything you do matters, Care about the end result, Challenge the norm, Disagree, yet commit to making it happen once a decision has been made, Do the best job possible Be BOLD Share our Ambition and do your bit to achieve it, Innovate : challenge the norm, break the mould and make it happen, Set goals that truly align with our mission, Do your best for our customers Be COLLABORATIVE Work cross-functionally - we win as a team, Build strong relationships based on trust, Treat others fairly and respectfully, Hold others to account, Be supportive and inclusive, Have fun together Equal Opportunities We are passionate and committed to our people and go beyond the rhetoric of diversity and inclusion. You will be working in an inclusive environment and be encouraged to bring your whole self to work. We will do all that we can to help you successfully balance your work and home life. As a growing business we will encourage you to develop your professional and personal aspirations, enjoy new experiences, and learn from the talented people you will be working with. It's talent that matters to us and we encourage applications from people irrespective of their gender, race, sexual orientation, religion, age, disability status or caring responsibilities.