Senior Software Engineer - Payments & Treasury

Job Description

Alpaca, a brokerage infrastructure technology company, is seeking a Senior Backend Software Engineer to join its Payments team. This role involves architecting, building, and scaling mission-critical financial systems that form the foundation of Alpaca's global treasury platform. The engineer will be responsible for systems processing billions of dollars in transactions daily, ensuring financial integrity, regulatory compliance, and operational excellence.Responsibilities include:

• Designing and implementing payment processing systems for ACH and SWIFT.
• Architecting and maintaining financial ledger systems.
• Developing two-phase transfer mechanisms for ACID compliance.
• Creating automated reconciliation systems.
• Implementing financial controls and audit trails.
• Building and enhancing settlement systems.
• Designing secure APIs for payment services.
• Contributing to technical decision-making and mentoring junior engineers.

Requirements include:

• 5+ years of backend engineering experience, with 3+ years in distributed systems.
• Strong expertise in Go and microservices architecture.
• Deep understanding of financial transactions and payment processing.
• Experience with ACH and SWIFT payment networks.
• Knowledge of financial accounting principles.
• Experience with two-phase commit protocols.
• Experience designing gRPC services and API gateways.
• Experience with relational databases (PostgreSQL).
• Strong system design and problem-solving skills.

Alpaca offers:

• Competitive Salary & Stock Options
• Health Benefits
• New Hire Home-Office Setup: One-time USD $500
• Monthly Stipend: USD $150 per month via a Brex Card