Technical Lead (Engineer), Banking-as-a-Service

Vantaca + HOAi • Raleigh, NC

6d • Remote

About The Position

Vantaca is seeking a Technical Lead Engineer to help design and architect its growing Banking-as-a-Service (BaaS) platform. This is a foundational role where the engineer will shape how Vantaca connects to banking partners, define API contracts, and ensure the compliance, traceability, and reliability of all fund movements. The BaaS platform is a critical, greenfield investment for Vantaca, utilizing modern tooling and real banking partners. The role involves architecting an event-driven payment system with a focus on reliability, idempotency, and observability, and ensuring external-grade quality on APIs used by bank and property management clients. The Technical Lead Engineer will also own the technical onboarding lifecycle for new banking partners and the client onboarding pipeline for associations joining Vantaca’s banking products.

Requirements

• 7-10 years of experience, ideally working on a banking platform.
• 7-10 years of deep, backend engineering with hands-on experience in distributed systems, event-driven architectures, and API design.
• Experience with AI-assisted development tooling and an interest in evolving SDLC practices.
• Experience shipping or operating systems that process financial transactions, ideally ACH, wire, or real-time payments.
• Familiarity with banking compliance concepts: NACHA rules, AML/BSA basics, Reg E, and how compliance requirements translate into engineering controls.
• Proven track record of defining and evolving external or internal APIs with a developer-first mindset.
• Comfort navigating bank partner relationships and technical certifications.

Nice To Haves

• Hands-on experience with BaaS platforms or sponsor bank integrations (e.g., Column, Increase, Unit, Sila, or similar).
• Background at a fintech-native company where payment reliability and compliance were first-class engineering concerns
• Experience with event streaming infrastructure (Kafka, Azure Service Bus, or similar) in a financial context.
• Exposure to property management, HOA, or real estate tech — helpful but not required.

Responsibilities

• Lead engineering for Vantaca’s BaaS layer, including outgoing ACH/transfers, incoming bank file ingestion, per-association account management, and real-time event processing.
• Ensure all systems meet NACHA operational rules, bank partner contractual obligations, and emerging regulatory requirements for embedded banking.
• Partner with compliance, legal, and BaaS providers to operationalize controls into the platform.
• Own incident response and root cause analysis for any payment or banking system failures.
• Design and evolve the event-driven architecture underpinning BaaS, from bank file arrival through ledger reconciliation and downstream notification.
• Drive reliability, idempotency, and observability standards across async payment flows; build for fault tolerance in a domain where errors have financial consequences.
• Define event contracts and schema ownership practices that allow other Vantaca pods to consume banking events safely.
• Own the design and versioning of BaaS-facing APIs consumed by internal teams, partner integrations, and client-facing surfaces.
• Apply API-first thinking: define contracts before building, enforce backward compatibility, and ensure external-grade quality on APIs used by bank and property management clients.
• Collaborate with Platform and Integrations leads to establish consistent API governance standards across Vantaca engineering.
• Own the technical onboarding lifecycle for new banking partners — from integration spec through certification and production cutover.
• Build and maintain the client onboarding pipeline for associations joining Vantaca’s banking products, including account provisioning, KYC/KYB hooks, and initial funding flows.
• Work closely with Product and Customer Success to reduce time-to-live for new banking clients without sacrificing compliance.

Benefits

• Medical, Dental, and Vision kick in day one
• Unlimited PTO (with a requirement for employees to take a minimum of one continuous week per year)
• 401K with Company Match
• Great parental leave benefits
• Ongoing industry and professional development trainings available to all employees

What This Job Offers

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