Responsibilities
- Define a first-class, testable exactly-once payment guarantee across partial failures, retries, and cross-service races.
- Design internal and external API contracts, including versioning, backward compatibility, and webhook delivery guarantees.
- Direct multi-rail money-movement architecture across ACH, wire, RTP/FedNow, card networks, sponsor banks, and Visa Direct.
- Own batching, funding, settlement matching, reconciliation, and exception handling.
- Establish architecture-review, RFC, monitoring, alerting, reliability, and observability standards.
- Set engineering practices, review standards, and technical hiring criteria for the Payments Core team.
Requirements
- 12+ years of production payments or financial-systems experience, including operating at tens to hundreds of billions in GMV and owning architecture through production.
- Direct production experience designing or operating a double-entry ledger, including derived balances, hot-account partitioning, and schema evolution under load.
- Experience building idempotent, exactly-once payment flows in real-time, high-throughput systems under partial failure and retries.
- Experience with distributed data architecture, petabyte-scale storage systems, and high-throughput services sustaining sub-50ms latency under production load.
- Deep experience with settlement and reconciliation against bank files, card-network settlement, and ACH returns.
- Experience with multi-rail money movement and multi-financial-institution orchestration, including direct sponsor-bank and network integrations.
- Ability to establish a high technical bar through influence, example, coding, and design reviews.
- Preferred experience at a comparable payments platform such as Stripe, Block/Square, Modern Treasury, Marqeta, or Adyen.
- Preferred experience modernizing or hardening load-bearing payments infrastructure without interrupting money movement.
- Familiarity with PCI DSS, ISO 20022 messaging, and scheme-level settlement file formats.
Benefits
- Competitive salary and stock options with potential for additional equity as the company grows.
- Flexible PTO and paid parental leave.
- Medical, dental, and vision insurance.
- 401(k), HSA, and pre-tax savings programs.
- Opportunity to join a high-growth, venture-backed fintech and shape the Payments Core organization.
Categories
About Payabli
Payabli is the Intelligent Fintech Operating System for software platforms. If you are a software company, you are a fintech company, and Payabli is your operating system. Built by payments industry and SaaS veterans and powered by its own models, Payabli gives platforms everything they need to embed, manage, and monetize financial services through a single developer-friendly API spanning Pay In, Pay Out, and Pay Ops. Intelligence is not a layer on top, it is the foundation, expressed through Amigo™, Payabli's native AI Agent Suite, and a growing set of capabilities that make payment operations smarter and more autonomous. Payabli gives software companies PayFac capabilities without the heavy lift, administrative burden, or cost of becoming a payment facilitator themselves. With PayFac-as-a-Service, embedded payment acceptance and issuance, and intelligent payment operations, platforms turn payments into a meaningful revenue stream while staying focused on their core product. Payabli is backed by world-class fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, and was recently named to the Forbes Fintech 50. For more information, visit payabli.com.