Software Engineer, Payments

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Software Engineer, Payments in United States.

As a Software Engineer on the Payments team, you will help build and maintain a highly scalable and reliable payments platform that moves billions of dollars across multiple countries and currencies. You will focus on the post-transaction risk space, designing systems to detect, mitigate, and resolve disputes and chargebacks while minimizing financial losses. Collaborating closely with cross-functional teams including product, data science, and operations, you will contribute to building robust infrastructure, integrating third-party payment networks, and continuously improving system observability and reliability. This role offers the opportunity to work on complex, high-impact engineering challenges in a fully remote U.S.-based environment while contributing to the security and efficiency of global payments.

• Design, build, and maintain scalable services and infrastructure to mitigate disputes and chargebacks across the payments platform
• Collaborate with data scientists, product managers, and operations teams to develop actionable business insights and enhance risk systems
• Integrate with third-party vendors and payment networks to strengthen in-house chargeback mitigation capabilities
• Develop, iterate, and optimize dispute and remediation strategies as risk scenarios evolve
• Ensure high system observability through continuous monitoring, alerting, and improvements in operational efficiency
• Follow engineering best practices, including modular design, well-defined APIs, and automated testing
• Contribute to cross-team initiatives to advance engineering processes and technical foundations

Requirements:

• 4+ years of experience in Payments or Fintech as a backend software engineer
• Proficiency in at least one major programming language (Java, Kotlin, or Python preferred); experience with React or equivalent JavaScript frameworks is a plus
• Familiarity with high-scale web application architecture, APIs, data pipelines, and efficient algorithms
• Strong track record of delivering end-to-end software products, from ideation to implementation and testing
• Experience collaborating with cross-functional teams and translating technical solutions into business outcomes
• Knowledge of experimentation, machine learning techniques, and data-driven decision-making
• Excellent communication, interpersonal, and problem-solving skills with high attention to detail
• Bachelor’s or Master’s degree in Computer Science or equivalent experience
• Experience with fraud detection, payments risk, or spam mitigation is a plus

Benefits:

• Competitive base salary ($162,000–$186,000 USD) with potential for bonus, equity, and other performance incentives
• Fully remote U.S.-based work with flexibility and occasional optional office/offsite opportunities
• Comprehensive health, wellness, and retirement benefits
• Paid time off, parental leave, and work-life balance support
• Learning and development opportunities, including skill growth and cross-functional collaboration
• Inclusive, diverse, and innovation-focused team culture