Principal Payments Engineer
Core
Founding Principal Payments Engineer building the core infrastructure for money movement (rails, batching, funding, reconciliation, ledgering) to ensure correctness and reliability at scale for a fintech operating system.
Role type
Principal Payments Engineer (Founding IC)
Builds
Centralized payments core infrastructure including multi-rail orchestration, double-entry ledgers, and high-throughput settlement systems.
Domain
Fintech / Payments Infrastructure / Distributed Systems
Deliverable
production ML models | product features | infrastructure
Required skills
Payments infrastructure architecture, double-entry ledger design, idempotent exactly-once payment flows, distributed data architecture, petabyte-scale storage, high-throughput low-latency services, settlement and reconciliation, multi-rail money movement, multi-FI orchestration
Preferred skills
Experience at Stripe, Block/Square, Modern Treasury, Marqeta, or Adyen, payments platform modernization, PCI DSS, ISO 20022
Technologies
ACH, wire, RTP/FedNow, Visa Direct, sponsor banks, card networks
Responsibilities
Guarantee correctness at scale for payment execution, design internal/external API contracts, direct multi-rail money movement architecture, own batching/funding/reconciliation, build reliability and observability standards, set technical hiring criteria and team standards
Seniority
Principal, founding hire, most senior IC