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Upstart

Senior Software Engineer, Upstart Bank

OR · On-site +1

$122K - $161K/yr

Upstart Bank is an evolution of Upstart's AI lending platform, focused on simplifying the ... Remote Time zone requirements The team operates on the East/West coast time zones. Travel ...

Huntington National Bank

... and to support bank officers. * Identifies and sets priorities for product development ... Bachelor's Degree * 7+ years of Product Management experience * 5+ years experience with Remote ...

Affirm

Senior Manager, Affirm Bank Compliance

$169K - $219K/yr

The Bank Secrecy Act (BSA) Officer is responsible for developing, implementing, and administering ... The majority of our roles are remote and you can work almost anywhere within the country of ...

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What is a Remote Bank job?

A Remote Bank job involves performing banking-related tasks from a remote location, typically from home or a co-working space. These roles can include customer service, fraud prevention, loan processing, or financial advising. Employees use digital tools to assist customers, process transactions, and ensure compliance with banking regulations. Remote banking jobs provide flexibility while maintaining the security and professionalism of traditional banking roles.

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To thrive in a remote banking role, you need strong financial acumen, customer service expertise, and relevant banking experience or education. Familiarity with digital banking platforms, CRM systems, and secure communication tools is typically required, along with certifications such as anti-money laundering (AML) training. Excellent communication, problem-solving skills, and the ability to work independently are valuable soft skills for this position. These abilities are essential for delivering seamless banking experiences, maintaining compliance, and building customer trust in a remote setting.

What are common challenges faced by professionals working in remote banking positions?

One of the most common challenges in remote banking roles is maintaining clear and secure communication with clients while ensuring the highest level of customer service. Remote bankers must be adept at using digital tools to troubleshoot client issues, process transactions, and provide financial guidance without face-to-face interaction. Staying compliant with evolving regulations and security protocols is also crucial to prevent fraud and data breaches. Success in this role requires being highly organized, proactive in addressing client needs, and adaptable to new technologies and procedures.

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Infographic showing various Remote Bank job openings in the United States as of May 2026, with employment types broken down into 82% Full Time, and 18% Part Time. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution.
Senior Software Engineer, Upstart Bank

Senior Software Engineer, Upstart Bank

Upstart

OR • On-site, Remote

$122K - $161K/yr

Other

Posted 22 days ago

Job description

The Team: 

Upstart Bank is an evolution of Upstart's AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale.

As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You'll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.


How you'll make an impact

  • Design and build scalable systems, services, and user-facing workflows that support Upstart Bank's core platform and operations
  • Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
  • Translate business, operational, and regulatory requirements into reliable, maintainable software
  • Improve system reliability, performance, observability, and data consistency across distributed services and integrations
  • Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability
  • Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment
  • Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership

Minimum Qualifications 

  • Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
  • Experience building and operating production software systems in backend or full-stack environments
  • Experience building scalable services, APIs, or web applications in cloud environments
  • Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
  • Proficiency in at least one modern programming language such as Python, Java, or Kotlin

Preferred Qualifications

  • Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
  • Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
  • Experience building systems that support reliability, auditability, and strong operational controls
  • Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
  • Ability to collaborate effectively with product, compliance, operations, and engineering partners
  • Experience working across both backend services and user-facing application layers
  • Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings.

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

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