We’re looking for candidates eager to join Alpaca’s growing organization, who are excited about our Mission of “Open financial services to everyone on the planet and share our Values of “Stay Curious,” “Have Empathy,” and “Be Accountable.”

Your Role

As a Senior Backend Software Engineer on our Payments team, you will architect, build, and scale mission-critical financial systems that form the foundation of Alpaca's global treasury platform. You'll be responsible for systems that process billions of dollars in transactions daily while ensuring financial integrity, regulatory compliance, and operational excellence.

Key Responsibilities:

Design and implement robust, scalable payment processing systems that support ACH and SWIFT payment rails, with architecture capable of expanding to additional payment networks across multiple jurisdictions
Architected and maintained financial ledger systems that enforced proper accounting principles,s including double-entry bookkeeping, balance sheet integrity, and transaction immutability
Develop two-phase transfer mechanisms that ensure atomicity, consistency, isolation, and durability (ACID) in financial transactions
Create automated reconciliation systems for transaction verification, account balancing, and error detection
Implement financial controls,s including segregation of duties, approvals workflow, and audit trails
Build and enhance settlement systems that maintain perfect financial record-keeping with complete audit history
Design and implement secure, auditable APIs for internal and external payment services
Contribute to technical decision-making for the payments infrastructure roadmap
Mentor junior engineers and participate in code reviews to maintain high engineering standards

Technical Environment:

Backend services primarily written in Go with a microservices architecture
API services using gRPC for internal communication and RESTful interfaces for external systems
Event-driven design patterns using message brokers for asynchronous processing
PostgreSQL for transactional data with strong consistency requirements
Kubernetes for containerization and orchestration on Google Cloud Platform
Rigorous testing practices, including unit, integration, and end-to-end tests
Continuous integration and deployment pipelines

Must-Haves:

5+ years of backend engineering experience with at least 3 years working with distributed systems at scale
Strong expertise in Go, including production experience building and maintaining Go microservices
Deep understanding of financial transactions, payment processing systems, and transaction safety
Experience with ACH and SWIFT payment networks and their technical requirements
Strong knowledge of financial accounting principles including:
Double-entry accounting with debits and credits
Trial balance reconciliation
General ledger management
Financial reporting and statement generation
Transaction matching and exception handling
Experience with two-phase commit protocols or similar transaction safety mechanisms
Experience designing and implementing gRPC services and API gateways
Proven experience with relational databases (preferably PostgreSQL) for financial record-keeping
Experience working with distributed systems, eventual consistency, and event sourcing
Strong system design skills with the ability to make architectural decisions and trade-offs
Excellent problem-solving skills with a focus on reliability, security, and auditability

Nice-to-Haves:

Experience with international payment processing systems and multi-currency infrastructure
Knowledge of ISO20022 financial messaging standards and implementation
Experience with banking APIs and integration with core banking systems
Familiarity with financial regulations related to money movement, including AML/KYC requirements
Understanding of regulatory frameworks for cross-border transactions
Experience building financial systems that support multiple jurisdictions
Experience mentoring engineers and providing technical leadership
Prior experience in fintech, brokerage, or trading systems
Experience with observability tools for distributed systems monitoring
Knowledge of security best practices for financial systems

Senior Software Engineer - Payments & Treasury

Anywhere in the world

Remote

Senior

Alpaca