Why this role is different Most full stack roles treat payments as a feature. Here it is the product. We run a high-volume ACH and reconciliation engine in one of the most compliance-sensitive ...
Staffingai
1 job near Columbus, OH
Why this role is different Most full stack roles treat payments as a feature. Here it is the product. We run a high-volume ACH and reconciliation engine in one of the most compliance-sensitive ...
Other
Posted 4 days ago
Job description
Most full stack roles treat payments as a feature. Here it is the product. We run a high-volume ACH and reconciliation engine in one of the most compliance-sensitive corners of U.S. financial services — debits, credits, retries, virtual-account ledgering, and the messy reality of what happens when money does not move on the first try.
And we build it differently. We are AI-native by design — a small team shipping infrastructure-grade payments software at a velocity that should take 3× the headcount. Claude Code, Cursor, and agentic workflows are not perks here; they are how the work gets done. You will spend less time typing boilerplate and more time doing the thing that actually matters in payments: deciding what is correct, what is safe, and what happens when it fails.
We are past product-market fit: deep domain expertise, enterprise clients going live, and a founding team that has shipped payments infrastructure before.
We want engineers who pair real payments depth with real AI-tooling fluency — people who already know what NACHA return codes mean and know how to drive an agent through a reconciliation refactor without shipping a silent ledger bug.
How we work
Agents are part of the team. You drive Claude Code / Cursor daily — scaffolding services, writing tests, refactoring, exploring unfamiliar code. You are judged on shipped, correct outcomes, not keystrokes.
You write for agents, not just humans. Clear agents.md, tight specs, and well-scoped tasks are how you get leverage. Ambiguous instructions produce ambiguous code — in payments that is a defect.
Evals and guardrails over vibes. AI-generated code moving money gets the same treatment as anything else: idempotency, audit logging, test coverage, and evals that catch regressions before prod does.
Taste is the bottleneck. When the model can write the code, the differentiator is knowing what good looks like — schema design, failure modes, API contracts, observability. That judgment is the job.
What you will own
As a full stack engineer who lives on the backend, with an agent open in the next pane.
ACH workflows end-to-end — origination, debits/credits, returns and retries, failure handling, virtual-account ledgering, and reconciliation
Production backend services and REST APIs — versioned, contract-stable, hardened
Event-driven architecture — AWS SQS, webhooks, retry and failure logic for reliable async processing
PostgreSQL schemas that hold financial integrity under failure
AI-assisted delivery — agents.md, eval sets, and tooling that make agentic development safe in a regulated domain
CI/CD and test coverage that lets the team (and the agents) ship with confidence
Internal React dashboards and ops tooling — often AI-scaffolded, always reviewed
Design docs, run-books, and scalability notes — written because you are proud of the work
Customer-facing work when it counts — supporting integrations, troubleshooting live workflows, representing the product outside the codebase
What we are looking forMust have
Area
Requirement
Payments
Hands-on experience building or operating ACH workflows — origination, returns, retries, ledgering, or reconciliation
AI-native development
You already build with Claude Code, Cursor, or similar as a core part of your workflow — and can speak to where agents help, where they hurt, and how you keep their output trustworthy
Experience
6–7 years engineering, strong backend focus
Backend
Node.js, Express.js, NestJS (or Hapi), REST APIs, GraphQL, microservices, WebSockets, job scheduling
Architecture
REST + microservices design; event-driven systems (queues, webhooks, retry/failure logic)
Database
PostgreSQL — schema design, query optimization, data integrity
Cloud
AWS — Lambda, RDS, SQS, API Gateway, Secrets Manager
Frontend
React.js, Next.js, Redux / Redux Toolkit, React Hook Form, TanStack Query, Jest, Playwright
Docs & delivery
OpenAPI / Swagger; CI/CD pipelines and automated deployment
Ways of working
Agile; cross-functional communicator; end-to-end owner who follows through to production
Area
Detail
Agentic depth
MCP servers, custom tools/skills, eval-driven development, multi-agent workflows
Payment rails
NACHA operating rules; wire, debit card, RTP / FedNow beyond ACH
Compliance
Regulated fintech — audit logging, idempotency, SOC 2
Other backend
Java, Spring, or similar enterprise frameworks
Leadership
Mentoring and team-lead experience