Fintech Software Engineer Jobs in California (NOW HIRING)

Tensec is looking for an experienced Software Engineer to design and ship the products our customers actually touch. Dealing with transactions and compliance across borders adds a level of complexity most industries never face — and we believe smarter infrastructure and thoughtful design can change that. Here are some of the challenges you could help us tackle:

• Reimagine cross-border compliance & operations: automate painful manual processes and make teams far more productive

• Build AI applications for cross-border financial services: develop intelligent systems that enhance transaction processing, risk assessment, and regulatory compliance across multiple jurisdictions

• Enable trading & finance for SMBs: give smaller businesses access to financial tools once reserved for large institutions, utilizing stablecoins to facilitate global market access and liquidity

• Simplify complex global workflows: design user experiences that bring transparency to payments spanning multiple countries and currencies

• Build resilient technical foundations: support diverse payment rails worldwide, reconcile across currencies and financial institutions, and ensure security at a global scale

• Level up the team: introduce new technologies and practices that improve how we build and operate together

As a software engineer, you would expect to:

• Own features end to end — from discovery and design through development, launch, and iteration.

• Build across the stack: responsive, intuitive frontends and the secure, reliable backends and infrastructure behind them.

• Partner closely with product, design, and cross-functional teams to translate vision into shipped product.

• Prototype quickly to validate ideas, then harden the winners into scalable, maintainable solutions.

• Write clean, reliable, well-tested, well-documented code, and define best practices for development, testing, deployment, and monitoring.

• Proactively monitor, identify, and resolve production issues to keep the experience fast, secure, and reliable.

• Stay on top of where the industry is heading — and bring new tools, patterns, and ideas back to make our systems better.

• Work effectively with people across time zones and regions.

To thrive in this role, you have:

• 5+ years of professional software development experience, with hands-on full-stack delivery — modern frontend frameworks plus API development and database design.

• A track record of shipping products to real end users and iterating based on their feedback.

• Proven experience with popular frameworks; React and Node.js (or comparable) a plus.

• Hands-on experience with modern cloud platforms, CI/CD, and monitoring tools.

• Fluency with AI-assisted development tools (e.g. Claude Code, Copilot, Cursor) — and enthusiasm for using them to ship faster and better.

• A stack-agnostic mindset and the versatility to quickly learn and adapt.

• Exceptional problem-solving skills, strong product instincts, and an entrepreneurial spirit.

• Deep empathy for customers and a fervent passion for elevating user experience.

• Strong interpersonal and communication skills to interact with a diverse team and stakeholders.

• Experience in — or strong desire to work in — early-stage startup environments.

• Prior fintech industry experience.

• We're considering candidates at several experience levels for this role. Base compensation ranges from $132,000 to $230,000 per year and will be tailored to your background and qualifications.

• Equity

• Medical, dental and vision

• 15 days paid time off

• Learning and development budget

This role follows a hybrid model. We ask that you're in our Palo Alto office 2–3 days per week.

Tensec is an Equal Opportunity Employer. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other characteristic protected by federal, state, or local law.

Tensec is a diverse and inclusive company committed to growing a diverse and inclusive team. We invite people of all backgrounds and identities to apply. Additionally, we encourage everyone to share which pronouns you wish for us to use when addressing you (i.e., she/her, he/him, they/them).

We are committed to providing reasonable accommodations for qualified individuals with disabilities. Please let your recruiter know if you require an accommodation during the application or interview process.