Full Stack Software Engineer III

Job Overview

We are looking for an experienced Software Engineer who can own features end-to-end and make meaningful architectural decisions. The engineering work here is high-stakes and high-leverage. You'll build and scale the systems that power credit card issuance, real-time rewards, and payment processing for our institutional partners - and help mentor more junior engineers along the way.

• Design, build, and maintain PHP and Python services and RESTful APIs across the full stack, with a focus on scalability, security, and long-term maintainability
• Own features from technical design through deployment - making architectural decisions about data models, API contracts, and system interactions
• Work with MySQL, JSON data structures, and third-party integrations across banking cores and payment networks
• Build a deep understanding of our business domain - how credit card programs, rewards, and payment processing work - and use that context to make better engineering decisions
• Contribute to technical planning and cross-functional discussions with product design
• Help junior engineers grow through pairing and knowledge sharing

• 3-5 years of professional development experience, with solid OOP fundamentals
• Deep familiarity with RESTful API design, MySQL query optimization, and working with complex data structures
• Experience making architectural decisions - not just implementing specs, but designing solutions
• Comfort working across the full stack and willingness to pick up whatever technology the problem requires
• Ability to work autonomously in a remote, async-first environment while staying well-connected to the team
• Strong written communication for documentation, technical proposals, sync and async discussion
• Comfort with remote-first, sync and async daily collaboration with fluid times
• Experience in fintech, payments, or credit card infrastructure
• Familiarity with multi-tenant platform architecture or real-time transaction processing
• Experience working with LLM APIs or AI-assisted development tools
• Understanding of security and compliance in regulated environments (PCI DSS, SOC2)

• Competitive compensation and equity
• Comprehensive health plan and PTO
• A team that treats AI as a force multiplier, not a threat
• Real ownership - you'll ship code to production and see its direct impact on partners and cardholders
• Room to grow into senior and leadership roles as the team scales

• Remote (US/Canada) | Full-Time
• Compensation: CA $105,000-$140,000
• Base salary range:
  For this role, candidates can expect a base salary range, described in the posting. Actual compensation is determined based on skills, experience, and role level. Exceptional candidates may be considered above the top of the range, and pay can increase quickly for those who make a big impact in the role.