Staff Software Engineer

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PayNearMe

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2009

💳 Fintech

☁️ SaaS

🤝 B2B

🔥 Funding within the last year

💰 $50M Series E - PayNearMe on 2025-09

Fintech • SaaS • B2B

PayNearMe is a payments technology company that provides a modern, end-to-end platform for businesses to accept, disburse and manage payments. The platform emphasizes Payment Experience Management, offering features such as modern payment processing, automation and self-service, exception management, and a cash-at-retail network. PayNearMe targets business customers across industries (auto & consumer lending, tolling, iGaming, buy-here-pay-here dealers, credit unions, mortgage servicing, law firms, etc. ) and advertises metrics including 16+ years in operation, $50B+ processed annually, 16,000+ businesses on its platform, and 62,000+ cash-at-retail locations. Money transmission services are provided by its subsidiaries PayNearMe MT, Inc. and PayNearMe Financial, Inc.

📋 Description

• Scope, design, build, and maintain APIs, services, and workflows that reliably process high-scale money movement and settlement. • Own the architectural direction for the settlement domain in partnership with the CTO; produce and maintain architecture documentation (current state, target state, and migration plan) and drive alignment across teams. • Review and approve architecture decision records (ADRs) and technical designs for settlement-related changes; ensure decisions meet standards for correctness, operability, security, and long-term maintainability. • Drive end-to-end execution for large, ambiguous initiatives: reduce risk early, align stakeholders, and deliver in phases. • Improve correctness and operational safety across settlement flows: deeply understand how money moves end-to-end (timing, state transitions, adjustments, exceptions), design for edge cases, and implement idempotency, reconciliation guarantees, safe backfills, incident readiness, and disciplined releases. • Partner with Engineering Manager, Product, Performance, CTO, and other Staff peers to shape roadmaps and strategy for settlement—develop deep expertise in both the technical system and the business needs (what clients require from settlement, reporting, timing, and exception handling) and translate that into durable platform capabilities. • Raise engineering standards across the team and broader org by partnering with other Staff engineers to define and drive consistent patterns for building and operating money- movement systems (design reviews, abstractions, testing strategy, observability, and operational practices) across monolith + microservices. • Drive adoption of AI-assisted engineering practices (tooling, workflows, guardrails) to improve throughput and quality—especially for testing, incident response, code review, and documentation.

🎯 Requirements

• 10+ years building and operating backend systems, with Staff-level scope (cross-team influence, major initiatives, long-term technical direction). • Proven ability to own critical production workflows end-to-end (design, delivery, on-call/ops, iterative hardening). • Strong system design fundamentals: reliability, consistency, data modeling, and pragmatic API/service boundaries. • Demonstrated ownership of architectural direction for a complex domain, including writing ADRs/tech specs and driving alignment across teams. • Ability to move between high-level architecture and hands-on coding. • Clear communication and strong judgment in high-stakes, cross-functional environments. • Comfortable adopting AI-assisted engineering workflows to improve velocity and quality while maintaining strong engineering and review standards. • Ability to develop deep domain expertise and connect technical decisions to client/business outcomes (e.g., settlement requirements, reporting needs, and exception handling).

🏖️ Benefits

• Competitive salary and benefits with growth-company options grant • Fast- paced and professional work culture • Stock options with standard startup vesting - 1 year cliff; 4 years total • $50 monthly communication expense stipend to go towards your phone/internet bill • $250 stipend to enhance your WFH setup • Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200) • Premium medical benefits including vision and dental (100% coverage for employees) • Company-sponsored life and disability insurance • Paid parental bonding leave • Paid sick leave, jury duty, bereavement • 401k plan • Flexible Time Off (our team members typically take off ~3-4 weeks per year) • Volunteer Time Off • 13 scheduled holidays