Technical Lead; Engineer), Banking-as--Service

About Vantaca

Powered by AI, Vantaca's vision is big! We are the leading AI-native community management performance platform that enables owners and operators, community management teams, boards and associations to work smarter, faster, and with unprecedented insight. More than just accounting and management software, Vantaca is intelligent business operating software that leverages artificial intelligence to automate routine work, surface actionable insights, and help our customers increase revenue, efficiency, flexibility, and control.

Powered by AI, Vantaca's vision is big! We are the leading AI-native community management performance platform that enables owners and operators, community management teams, boards and associations to work smarter, faster, and with unprecedented insight. More than just accounting and management software, Vantaca is intelligent business operating software that leverages artificial intelligence to automate routine work, surface actionable insights, and help our customers increase revenue, efficiency, flexibility, and control.

Vantaca is the operating system for community association management and we're building the financial infrastructure layer that makes it run. Our Banking as a Service (BaaS) platform is Vantaca's programmatic banking layer: the engine behind per-association account structures, ACH/NACHA payment rails, real-time bank file processing, and compliant fund movement at scale

Vantaca is a unicorn-stage, vertical SaaS platform purpose-built for community association management. We’re past early-stage chaos and squarely in the phase of building durable, scalable systems that will power thousands of associations and millions of homeowners

We're looking for a Technical Lead Engineer to help design and architect our growing Banking-as-a-Service platform. This is a foundational role: you'll shape how Vantaca connects to banking partners, define the API contracts that downstream teams and clients build on, and ensure every dollar we move is compliant, traceable, and reliable. If you've shipped event-driven payment systems at companies like Stripe, Modern Treasury, Increase, or Meow, or aspire to bring that caliber of engineering rigor to a high-growth vertical SaaS, this role was written for you.

BaaS is one of Vantaca’s most strategically important investments. You won’t be maintaining a legacy payments layer, you’ll be architecting a greenfield banking platform with modern tooling, real banking partners, and a tight product loop with customers who care deeply about where their money goes.

• Lead engineering for Vantaca’s BaaS layer, including outgoing ACH/transfers, incoming bank file ingestion, per-association account management, and real-time event processing.
• Ensure all systems meet NACHA operational rules, bank partner contractual obligations, and emerging regulatory requirements for embedded banking.
• Partner with compliance, legal, and BaaS providers to operationalize controls into the platform rather than bolting them on afterward.
• Own incident response and root cause analysis for any payment or banking system failures.

• Design and evolve the event-driven architecture underpinning BaaS, from bank file arrival through ledger reconciliation and downstream notification.
• Drive reliability, idempotency, and observability standards across async payment flows; build for fault tolerance in a domain where errors have financial consequences.
• Define event contracts and schema ownership practices that allow other Vantaca pods to consume banking events safely.

• Own the design and versioning of BaaS-facing APIs consumed by internal teams, partner integrations, and client-facing surfaces.
• Apply API-first thinking: define contracts before building, enforce backward compatibility, and ensure external-grade quality on APIs used by bank and property management clients.
• Collaborate with Platform and Integrations leads to establish consistent API governance standards across Vantaca engineering.

• Own the technical onboarding…