2 days ago
Vancouver, CanadaStaff+
Responsibilities
- Own the technical vision, system architecture, and multi-year roadmap for Live Pay and the EarnIn Card.
- Serve as the final architectural decision-maker, leading architecture reviews, design reviews, and technical RFCs.
- Design integrations with card platforms, issuing banks, Visa, processors, and partner APIs and file-based interfaces.
- Architect authorization, clearing, ledgering, card funding, balance management, settlement, reconciliation, credit reporting, and card-management systems.
- Lead high-impact initiatives across multiple services and teams from problem definition through implementation, rollout, and ongoing operation.
- Design highly available, low-latency backend systems and APIs with strong correctness, idempotency, consistency, auditability, and regulatory controls.
- Set standards for observability, SLOs, incident response, capacity planning, disaster recovery, and production readiness.
- Lead responsible adoption of agentic workflows and multi-agent systems for engineering, testing, debugging, operations, and analysis.
- Mentor Staff and Senior engineers and influence technical direction across the organization.
- Partner with Product, Design, Data Science, Risk, Security, Compliance, Finance, Infrastructure, and executive stakeholders.
Requirements
- 8+ years of software engineering experience with progression into Staff or Senior Staff technical leadership and architectural ownership.
- Proven experience as a lead architect or technical authority defining strategy for large-scale distributed systems.
- Ability to lead architecture and delivery across multiple engineering teams and organizational boundaries without relying on direct authority.
- Deep hands-on experience designing and operating highly available, low-latency backend systems at scale, ideally in payments, banking, or card domains.
- Experience with card issuing, processing, authorization, card processors, issuing banks, card networks, ledgering, balance management, settlement, reconciliation, or payment partner integrations.
- Knowledge of authorization and clearing flows, ISO 8583 or equivalent formats, certification, chargebacks, disputes, and PCI DSS or related compliance expectations.
- Experience with credit reporting or consumer data furnishing, including Metro 2, accuracy controls, and dispute handling, is preferred.
- Experience designing backend services and APIs for consumer-facing mobile and web experiences.
- Strong understanding of transactional correctness, idempotency, eventual consistency, exactly-once semantics, data integrity, and auditability.
- Strong proficiency in Kotlin or another modern JVM language such as Java or Scala.
- Deep experience with REST APIs, DynamoDB, MySQL, Kafka or equivalent streaming platforms, Kubernetes, microservices, and event-driven architectures.
- Experience with SLOs, observability, incident response, capacity planning, disaster recovery, and production reliability for critical systems.
- Hands-on experience building AI-assisted or agentic engineering workflows involving orchestration, tool use, evaluation, security boundaries, and guardrails.
- Exceptional architectural judgment, communication, mentoring, and ability to balance reliability, security, scalability, developer experience, regulatory requirements, and execution speed.
- Experience using AI-assisted development tools such as GitHub Copilot, Cursor, Claude, ChatGPT, or similar.
- Experience in FinTech, payments, banking, or other regulated and compliance-sensitive environments is strongly preferred.
Benefits
- Equity and benefits are provided.
- Hybrid position requiring in-person work at the Vancouver, Canada office two days per week.
- Full-time position based in Vancouver, Canada.
Tech Stack
Categories
About EarnIn
EarnIn builds a mobile app for earned wage access and related financial tools for U.S. workers living paycheck to paycheck. It lets users access a portion of accrued wages before payday, plus features like credit monitoring, automated savings, low-balance alerts, and a debit card, with no mandatory fees or interest. Founded in 2012 and headquartered in Mountain View, California, the privately held company issues certain banking products via Evolve Bank & Trust.