Senior Backend Engineer, Payments

Attain • Chicago, IL

21d • Hybrid

About The Position

The Klover Backend Engineering team powers one of the fastest-growing consumer fintech apps in the U.S., with over one million active users every month. Our systems process and move more than $1.5 billion annually - enabling real-time access to earned wages, rewards, and financial tools that help consumers improve their day-to-day lives. As part of this team, you’ll design and scale the backend services that drive Klover’s payments and data infrastructure. You’ll work on high-availability systems that connect with financial institutions and payment processors, ensuring secure, compliant, and lightning-fast transactions. The work you do will directly impact our users’ ability to access their money instantly, earn meaningful rewards, and experience transparent, fee-free financial services. Klover engineers collaborate closely across product, data, and mobile teams to deliver reliable, high-performance features that meet the demands of a large, growing user base. You’ll have the opportunity to work with modern technologies (including Rust microservices and event-driven systems) while shaping the next generation of inclusive, data-powered financial products. You’ll design APIs and microservices that connect financial institutions, payment processors, and data platforms, all while ensuring reliability and privacy at scale. Attain Office Hybrid Schedule (where applicable): Redwood City, CA: Mondays (in-office for stand-ups, all-hands) and choice of three days between Tues-Friday Chicago, IL & New York, NY: 4 days in-office; 1 day remote You’ll be a great fit for the role if You are excited to build and scale backend systems that support financial products and real-time payments You thrive in environments where data integrity, security, and performance are critical You are excited to build microservices using Rust and Go You have a willingness to learn and teach in a collaborative environment You’re eager to leverage and develop using AI tools You’ve been complimented on how well you participate in an open feedback environment

Nice To Haves

• 5+ years of experience building backend services in production environments
• Experience in the financial technology, payments, or banking systems industry
• Familiarity with compliance, security, and data privacy standards (e.g., SOC 2, PCI DSS, GDPR)
• Experience designing transactional and event-driven systems for payments, reconciliation systems, or ledger-like applications
• Familiarity with microservice or Service-oriented Architecture
• Experience using gRPC, protobuf, or GraphQL
• Expert knowledge of SQL and experience designing data models for financial data integrity
• Experience with message queues or event streams (e.g., Kafka, RabbitMQ)
• Experience with cloud environments such as AWS, GCP, or Azure

Responsibilities

• Build and evolve microservices that handle high-volume financial and transactional data
• Design and implement APIs that securely connect to third-party payment processors, banks, and fintech partners
• Write thoughtful & quality code that is readable, testable, and easily maintainable
• Develop data-driven services that power account management, transaction history, and financial insights
• Strive for excellent development practices and careful code architecture that is built around rapid releases
• Work cross-functionally with backend, mobile, and product teams to consistently release high-quality, customer-focused financial features
• Adhere to, and improve upon, our agile process through requirement documents, sprint retrospectives, and other regular cadence meetings

What This Job Offers

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