Blockchain Payments Engineer

As the Lead Blockchain Payments Engineer, you will be a core architect and owner of our essential financial infrastructure. This high-impact role requires you to design and scale the core services that power seamless fiat crypto flows, real-time risk decisions, and rock-solid financial records for a high-volume, global platform.

You will act as a backend and onramp specialist, leading the development of high-throughput, low-latency distributed systems that manage the entire financial lifecycle from user deposit to on-chain settlement. Payment Orchestration & Integrations

• Own the end-to-end payment orchestration for major bank rails (ACH/RTP/FedNow/SEPA/Open Banking) and card schemes (including Apple Pay/Google Pay).
• Design and implement idempotent, fault-tolerant APIs and robust webhook processing systems.
• Integrate and manage third-party providers for connectivity (Plaid/TrueLayer/Tink), card processing (), and on-chain risk/compliance (Chainalysis/TRM, Travel Rule networks).

Real-Time Risk & Compliance

• Build and scale a real-time risk engine ($ 300 ms) combining ML scores, rules, device signals, sanctions/KYC hits, and payment intelligence to yield fast GREEN/AMBER/RED outcomes.
• Implement foundational KYC/AML primitives (CIP/CDD, sanctions/PEP screening, Travel Rule data plumbing) in close partnership with the Compliance team, ensuring audit-ready decision journaling.

Financial Integrity & Reconciliation

• Ship a double-entry ledger and automated reconciliation jobs that accurately tie together processors, bank statements, and on chain balances.
• Develop daily break detection and automated remediation workflows to maintain absolute financial integrity.

Blockchain & Operations

• Ensure safe and rapid crypto delivery (e.g., USDC/SOL) to user wallets by managing hot wallet flows, transaction creation, confirmations, and operational safeguards.
• Instrument everything with traces, metrics, and logs. Build internal operations and compliance dashboards and participate in the production on call rotation for our 24/7 system.

Cross-Functional Collaboration

• Work closely with Product, Mobile, Compliance, Risk, and Finance teams, driving features from initial concept through production deployment and iteration.

• Fiat Onramp Expertise: Proven experience building fiat ramps end to end, including bank and card integrations.

• System Design & Scale: Deep experience designing and scaling high throughput, low latency distributed systems in payments, fintech, or risk platforms.

• Language Fluency: Fluent in one or more systems languages (Rust, Go), or strong systems chops in TypeScript/Node/Python.

• Database Mastery: Expert level knowledge of Postgres (transactions, indexing, locking), with familiarity in Redis and event/OLAP stores (Kafka/Redpanda, ClickHouse).

• API & Webhook Craftsmanship: Mastery of gRPC/REST best practices (versioning, idempotency keys) and building rock solid webhook consumers.

• Event Driven Design: Experience designing systems with queues, outbox/inbox patterns, Sagas, and ensuring exactly once effective behavior for financial transactions.

• Security Mindset: Practical experience with key management (HSM/KMS), secrets hygiene, least privilege, and data auditability.

• Ownership & Ambiguity: Ownership driven and comfortable operating in high ambiguity environments-you move quickly, measure results, and iterate aggressively.

Nice to Have (Signal Boosters)

• Payments: ACH/NACHA returns, 3DS/SCA, AVS/CVV, BIN analysis, chargeback workflows, Apple/Google Pay.
• Compliance Plumbing: Experience with sanctions/PEP screening, Travel Rule networks (e.g., Notabene/TRISA), and SAR/STR workflow integration.
• Accounting: Experience with double-entry ledgers, reconciliation jobs, and data modeling for regulatory/tax reporting.
• Crypto Delivery: Solana RPCs, USDC flows, wallet operations, and Chainalysis/TRM integrations.
• Infra: Experience with AWS, Terraform, Docker/Kubernetes, and OpenTelemetry/Prometheus/Grafana.