Senior Software Engineer I, Payments

Qualia•Austin, TX

3d•Remote

About The Position

Within Qualia, you'll join the Payments team. Every real estate closing ends with money changing hands: earnest money deposits, loan funding, mortgage payoffs, seller proceeds, and commissions. Qualia powers a substantial portion of U.S. residential home sales every year, totaling billions of dollars in transaction volume. The Payments team builds the systems that move those funds safely, accurately, and on time. The stakes are high. A single closing often moves hundreds of thousands of dollars between multiple parties on a tight deadline, and real estate wires are a prime target for fraud. Our mission is to make money movement the most trustworthy part of the closing, so title and escrow teams, and the homebuyers they serve, never have to wonder where their funds are.

Requirements

You've taken full ownership of complex, high-liability systems in production, and you know how to respond calmly and methodically when funds are on the line
5+ years of experience as a strong full-stack web developer is required
Strong understanding of transactional integrity, idempotency, and failure-mode design in financial systems
You have made key architectural decisions for large, high-stakes projects
You have mentored junior developers
You have worked on multiple engineering teams, both small and large
Good product sense, strong attention to detail, and a passion for building systems people can trust with their money

Nice To Haves

Direct experience building or maintaining other money-movement systems (banking, fintech, payments processors, or similar regulated environments strongly preferred)
Familiarity with payment rails, banking APIs, or financial compliance standards (NACHA, OFAC screening, PCI, SOC 2) is a strong plus

Responsibilities

Design, build, and maintain systems that process ACH and wire transfers at scale (billions of dollars annually), including origination, settlement, reconciliation, and exception handling
Build and harden payment-processing pipelines that integrate with banking partners, payment rails, and third-party financial APIs
Implement controls for wire fraud prevention, transaction verification, and anomaly detection alongside our security and compliance teams
Improve and extend core web applications (frontend and backend) that support escrow accounting and closing-day money movement
Own architectural decisions for payments infrastructure, including data integrity, idempotency, retry/failure handling, and audit logging
Partner with Compliance, Risk, and Accounting stakeholders to ensure systems meet regulatory and audit requirements (e.g., NACHA rules, wire fraud regulations, SOC 2 controls)
Participate in on-call rotation for payment-critical systems