Senior Software Engineer - Scalable FinTech Systems

Chargebacks
911 is a fast-growing global Fin Tech based in Clearwater, FL. Our Software Engineering team is building systems that solve everything related to the growing problem of Chargebacks & Credit Card Disputes. Our pace is high, our problems are real, and our technology choices evolve as the business evolves.

We believe that great engineers are not defined by the logos on their résumé, but by their ability to reason about systems, read and write code fluently, and adapt quickly as tools change. With modern AI-assisted development, judgment, architectural taste, and sheer reps of programming matter more than memorizing frameworks.

We are looking for Senior Software Engineers—engineers who can drop into any team, understand the problem space quickly, and make meaningful contributions regardless of the specific technology in use.

You may work across frontend, backend, and infrastructure boundaries depending on the needs of the business. React on the frontend and Node.js or PHP on the backend are common in our stack today, but experience with those exact tools is a plus, not a requirement.

• Written a lot of code
• Read even more code
• Refactored systems that were already in production
• Developed a strong sense for what good looks like

• Design, build, and evolve production software systems with a focus on clarity, scalability, and maintainability
• Quickly ramp into unfamiliar codebases, frameworks, or languages and contribute effectively
• Make sound architectural decisions and articulate tradeoffs clearly
• Collaborate across teams, providing technical leadership without rigid ownership boundaries
• Use AI-assisted coding tools (e.g., Cursor, Windsurf, Git Hub Copilot) as force multipliers—not crutches
• Review code with a focus on correctness, simplicity, and long-term cost
• Help raise the engineering bar through example, feedback, and mentorship

• 7+ years of professional software engineering experience (or equivalent reps)
• Demonstrated ability to learn new technologies and codebases quickly
• Strong fundamentals in software design, data structures, and system architecture
• Proven experience working in large or long-lived codebases
• Excellent code reading skills—you understand code you didn’t write
• Comfort working across the stack, even if you have a primary strength
• Openness to and comfort with AI-assisted development tools
• Clear written and verbal communication skills

• Experience with React, Node.js, or PHP
• Experience in Fin Tech, large scale financial systems or enterprise data sets
• Experience scaling systems under real-world constraints
• Prior technical leadership or mentorship experience

• Taste beats trivia:
  We care more about why you chose a design than whether you remember an API.
• Reps matter:
  Time spent coding, debugging, refactoring, and reviewing compounds.
• AI is table stakes:
  We expect engineers to leverage modern tools thoughtfully.
• Flexibility wins:
  Teams change, problems change, and strong engineers adapt.

• High-impact work on systems that matter
• Autonomy and trust in how you approach problems
• A team of senior engineers who value clarity and pragmatism
• The opportunity to shape both systems and engineering culture as we scale