Founding Engineer

IDN Recruitment • New York City, NY

1d • Hybrid

About The Position

Our client is building the first truly "agentic neobank" — a customer advocate that not only gives but automatically implements advice for consumers on their day-to-day financial needs by leveraging AI and behavioral finance. The team believes the next generation of financial products will be autonomous, not rules-based, and is building an autonomous personal CFO that optimizes every element of personal finances — idle cash savings, debt, budgeting, expenses, investments, and taxation. This is a hands-on builder role where you'll own the architecture, the stack, and every technical decision as you go from prototype to MVP launch. You should have strong 0-to-1 experience, a preference for fintech or regulated domains, and the ability to ship production systems that handle real money movement. This role has a clear path to technical leadership as the team grows.

Requirements

• 5+ years of full-stack engineering experience, with a track record of building and shipping products from 0-to-1.
• Strong 0-to-1 experience, preferably in fintech or other regulated domains.
• Ability to ship production systems that handle real money movement.
• TypeScript
• React
• React Native
• Python
• LLMs
• Agentic AI Systems
• RAG
• Cloud Infrastructure (GCP/AWS/Azure)
• BaaS Partners
• Payments Rails
• KYC/AML

Responsibilities

• Building the MVP end-to-end: web app, mobile app, and the backend systems behind them — from secure AI-native infrastructure to money movement
• Integrating fintech vendor technologies (BaaS partners, payments rails, KYC/AML) into the core banking, card, and lending infrastructure
• Designing the architecture and data stack for an agentic financial services operating system, making key decisions on cloud providers, data resiliency, and system design
• Building agentic workflows that plug into real money decisions safely — with deterministic, auditable logic and compliance guardrails
• Setting the technical standards and architecture that future engineers will build on, while continuing to manage and work with contract engineers

Benefits

• Generous benefits including healthcare and PTO.
• H-1B sponsorship and OPT/E-Verify available for the right candidate
• Clear path to technical leadership as the team grows.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed