Jobs at Cross River

Leads and grows the Payments engineering team while remaining hands-on in software development. Designs scalable backend systems using .NET, databases, messaging, Docker, and AWS. Manages engineering and QA professionals, mentors team members, prioritizes initiatives, and collaborates with product and business stakeholders. The role combines approximately 60% engineering with 40% people and project management.

Lead and scale a lending engineering team responsible for reliable, secure, distributed financial infrastructure. Responsibilities include hiring and mentoring engineers, setting technical strategy, making architecture decisions, partnering with Product, overseeing delivery, and promoting testing, CI/CD, monitoring, incident response, and continuous improvement. The role requires backend development, cloud and event-driven systems experience, and a strong record of leading high-performing engineering teams.

Perform manual and automated testing for lending applications and services. Develop and maintain test automation, write functional, regression, and API test cases, participate in test planning and defect triage, and track issues through resolution. Collaborate with internal and external teams to ensure reliable, scalable, and performant software while contributing to a quality-focused engineering culture.

Develop scalable backend software for lending infrastructure supporting loan origination, funding, servicing, and sales. Responsibilities include designing software modules, writing and testing maintainable code, building distributed and event-driven systems, participating in code reviews, and collaborating with senior engineers and cross-functional teams. The role uses C# or Python, relational and document databases, AWS, Docker, and Kubernetes, with emphasis on reliable, compliant financial technology.

Design and develop scalable enterprise software for the Lending team. Build backend systems using .NET, Python, relational and NoSQL databases, messaging systems, Docker, and AWS. Plan, triage, and prioritize work while applying object-oriented programming, SOLID principles, domain-driven design, distributed systems, and event-driven architecture practices.

Own the end-to-end tokenization business, including P&L, issuance, institutional distribution, onchain USDC settlement, servicing, data infrastructure, NAV, reporting, and regulatory controls. Build the platform from initial transaction through industrialized recurring programs, manage licensed partners and investors, and hire a senior cross-functional team. The role requires extensive private or structured credit experience, operational ownership, consumer credit transaction expertise, and exposure to tokenized assets and regulated banking environments.

Manages daily office operations, including conference rooms, office and kitchen supplies, food orders, deliveries, vendors, building maintenance, events, and receptionist backup. Ensures office spaces remain organized, stocked, tidy, and properly maintained while coordinating repairs and administrative support. Requires strong communication, organization, time management, and at least three years of office management experience.

Supports banking operations by overseeing merchant activity, third-party agents, regulatory compliance, transaction processing, settlement, reconciliation, and incident response. Reviews risks and operational controls, monitors daily banking transactions, supports cross-functional teams, and manages ad hoc projects while ensuring adherence to federal and state laws, card brand rules, and bank policies.

Manage enterprise fintech banking clients, serving as the primary relationship contact, driving retention, growth, cross-sell, and strategic planning. Build senior-level client relationships, conduct business reviews, interpret market and client data, assess regulatory and risk considerations, coordinate internal issue resolution, support contract renewals, and ensure AML/BSA compliance. The role requires marketplace lending expertise, cross-functional collaboration, strong communication, and periodic client travel.

Represent Finance throughout new product development and launch. Document accounting, tax, liquidity, reconciliation, control, and reporting requirements; map product funds flows and journal entries; lead cross-functional integration calls; track dependencies, blockers, and action items; provide leadership reporting; and improve planning templates, workflows, and documentation. The role partners closely with Finance, Product, Technology, and Operations to ensure products integrate effectively into financial systems and processes.

Provide legal counsel on commercial transactions, including IT/SaaS, sponsorship, vendor, customer, licensing, and general contracts. Draft, review, and negotiate agreements; support due diligence and closing documents for investments and acquisitions; advise on AI-related transactions and legal-department AI implementation; and collaborate with compliance, technology, risk, operations, and business stakeholders.

Leads capital markets strategy for commercial lending portfolios, including loan sales, participations, securitizations, investor relationships, transaction structuring, hedging, market analysis, compliance, and cross-functional execution. Builds scalable distribution channels across commercial real estate, construction, healthcare, lender finance, and SBA lending while optimizing liquidity, pricing, and balance sheet efficiency.

Leads the FP&A organization and partners with the CFO, CEO, board, and business leaders on budgeting, forecasting, strategic planning, profitability, cash flow, M&A, and investment decisions. Builds high-performing finance business partner and analytics teams, improves planning processes, develops management reporting and performance monitoring, and advances FP&A technology through automation, predictive analytics, AI/ML, dashboards, and scenario-planning tools. Oversees talent development, vendor relationships, governance, and integration with enterprise analytics functions.

Lead product positioning, messaging, market strategy, and go-to-market execution for fintech infrastructure products spanning payments, cards, lending, deposits, compliance, and digital assets. Translate complex technical capabilities into compelling narratives for fintech operators, developers, executives, and sales teams. Synthesize market and competitive insights, develop launch strategies, align cross-functional stakeholders, and enable pipeline growth and brand differentiation.

Responsible for designing, implementing, and maintaining secure, scalable IT infrastructure across cloud and on-prem environments, ensuring reliability and compliance with financial regulations.

Lead and build a risk-aligned, automated IAM program across cloud, on-prem, and SaaS. Define IAM strategy and architecture, manage privileged access, implement lifecycle automation (JML), enforce RBAC/ABAC, deploy SSO/MFA, support PAM, and maintain controls for FFIEC, SOC 2, and PCI DSS compliance while partnering with engineering, compliance, and audit.

The QA Engineer II will develop test cases, build automation, and perform manual and automated testing for Online and Mobile Banking applications while collaborating with teams to ensure quality throughout the testing process.

As a Software Engineer II, you will develop scalable software modules, build backend systems using various technologies, and collaborate with teams to deliver AI-powered solutions.

Support annual budgeting, quarterly reforecasts, variance and KPI analysis, Board/investor reporting, client profitability, and ad-hoc scenario modeling to inform financial decisions across business units.

Manage end-to-end onboarding for multiple fintech clients, coordinating compliance (KYC/AML), technical integration (API/SFTP/sandbox), cross-functional teams, tracking timelines, escalating issues, and creating repeatable onboarding documentation and frameworks.