Note: The job is a remote job and is open to candidates in USA. Payoneer is a global financial platform, and PAYO Digital Bank, N.A. is seeking a deeply experienced Senior Staff Engineer to serve as the technical anchor for its engineering organization. The role owns the architecture of core transactional systems integrating the banking ledger with stablecoin issuance, while providing technical leadership, ensuring audit readiness, and building secure, resilient infrastructure.
Responsibilities
- Architect and build the bank's core backend, including microservices, transactional persistence schemas, event messaging endpoints, and internal APIs, documented to a standard suitable for OCC examination
- Design the reconciliation architecture guaranteeing absolute consistency between the fiat subledger, reserve accounts, and on-chain token supply. Build the event messaging layer securely synchronizing core ledger transactions with custody platform mint/burn actions
- Serve as the technical lead and mentor for the Core Backend team. Establish uncompromising standards for code reviews, testing, observability, and deployment appropriate for a regulated bank
- Integrate automated sanctions screening connectors with auditable screening and case escalation hooks
- Partner with the SRE Lead on multi-region availability, failover targets, and real-time ledger alerting. Work with the Security division on IAM, key management interfaces, and threat modeling for mint/burn pipelines
- Support UAT, feature freezes, and external control validation ahead of the pre-opening exam
Skills
- 12+ years of software engineering experience, including 5+ years hands-on architecting high-integrity transactional systems (banking core, payments ledger, exchange, or settlement infrastructure)
- Deep understanding of event-driven architecture, exactly-once processing semantics, idempotency, and reconciliation at scale
- Hands-on experience with Kubernetes, Infrastructure-as-Code, and multi-region deployment in a regulated or audited environment
- Track record designing immutable transaction logs, reconciliation controls, and automated evidence generation for examiners and external auditors
- Proven success elevating the technical output of senior engineers, setting architectural standards, and owning delivery end-to-end
- Ability to produce system architecture documentation that withstands intense regulatory and audit scrutiny
- Direct experience with stablecoin, digital asset custody, or blockchain settlement systems, including on-chain/off-chain reconciliation
- Familiarity with FFIEC IT examination expectations or SOC 2 audit environments
Benefits
- Health insurance
- Disability insurance
- Life insurance
- 401k plan
- Paid-time off
- Sick and, where applicable, safe leave
- Discretionary year-end bonus
Company Overview
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