Bolt Financial-posted 3 months ago
Senior
San Francisco, CA
251-500 employees
Credit Intermediation and Related Activities

As a Staff Backend Engineer, you'll be at the forefront of building scalable, fault-tolerant infrastructure for mission-critical payment systems. You'll own backend architecture decisions and work across teams to power core functionality-from money movement to compliance to fraud detection. Please note, this is a contract-to-hire opportunity with the option to convert to full-time after 3-6 months.

  • Design and implement backend services for payment acquisition, routing, risk evaluation, settlement, ledgering, and reconciliation.
  • Build distributed systems that meet 5 9s reliability, low-latency, and high-throughput requirements.
  • Collaborate with partners (banks, PSPs, card networks) to integrate payment rails and protocols.
  • Lead backend-focused architectural reviews and make strategic technical decisions for scalability and maintainability.
  • Partner with frontend, data, and infra teams to ensure end-to-end system integrity.
  • Set engineering standards and mentor backend engineers across the organization.
  • 8+ years of backend engineering experience with modern languages (Go, Java, Kotlin, Rust, etc.).
  • 2+ years in a Staff+ role at a high-scale tech or fintech company.
  • Deep knowledge of payments infrastructure (e.g., tokenization, card networks, ISO 8583, PCI).
  • Strong background in event-driven systems, data consistency models, and system reliability.
  • Ability to reason through complex distributed systems and make pragmatic trade-offs.
  • Experience with ISO, PayFac systems, or network tokenization.
  • Familiarity with KYC/AML, risk scoring, or financial compliance tooling.
  • Contributions to backend or payments open source projects.
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