Who We Are
Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.
What We're Looking For
As a Senior Software Engineer, you will build the user-facing, AI-powered surface of Cross River's data platform. Our team builds the tools and applications that make the bank's data platform discoverable and genuinely useful to the people who depend on it. You'll work across our products, from a data catalog and platform-operations web app to an AI-native business intelligence interface that lets users explore, query, and reason about the data ecosystem in natural language.
This is a role for an engineer who is fluent across the entire stack (React front ends, Python APIs, relational and vector data stores, and AWS) and who is equally at home building with AI as building for it. You'll design and ship LLM-driven agents, retrieval-augmented discovery, and natural-language data experiences, wire them into well-architected and secure systems that people trust with real data, and bring AI into your own craft using modern AI-assisted development tooling. If you love turning "I wish I could just ask the data..." into a shipped feature, care deeply about correctness and data security, and want to work at the leading edge of applied AI in a regulated environment, we want to hear from you.
Responsibilities:
- Design, develop, and maintain full-stack software in support of Cross River's data platform
- Build and operate AI-native capabilities: LLM-powered agents and reasoning loops, retrieval-augmented generation (RAG) over the data catalog, and natural-language-to-SQL query experiences
- Integrate large language models responsibly, with rigorous permission checks, tracking, and observability on every model call
- Act as a thoughtful and considerate data steward, with a mind for strong data security
- Engineer React-based web UIs that present complex data (catalogs, lineage, dashboards, and conversational interfaces) clearly and accessibly
- Build and operate Python back-ends that house APIs and integrate with the data platform and adjacent systems
- Interact with AWS services and technologies including Lake Formation, Glue, Iceberg, Hive, Athena, ECS, and Snowflake
- Operate and troubleshoot and issues across the UIs, APIs, agents, and data pipelines
- Collaborate with other software engineers, data engineers, data scientists, and business personnel to ensure business, security, and operational needs are met
- Manage code and versioning effectively using Git and participate in architectural discussions on product- and platform-level designs
- Ensure best practices around development, testing, and documentation
Qualifications:
- 5+ years of experience in software engineering, with a strong focus on full-stack web and API development
- Strong front-end skills with React and TypeScript
- Strong back-end / API development skills in Python
- Hands-on experience building with large language models, such as integrating LLM APIs, agents, RAG, or other AI-powered application features
- Proven experience with AWS cloud environments (ECS, IAM, S3, and data services such as Glue, Athena, or Lake Formation)
- Strong experience with relational databases and SQL, plus Git for version control and review processes
- Very strong problem-solving skills and an enthusiasm for delivering working, performant, and operationally stable solutions
Preferred Skills:
- Experience building agentic systems, tool-use / function-calling loops, or MCP (Model Context Protocol) servers and tools
- Experience with retrieval-augmented generation and vector search (e.g. embeddings, pgvector)
- Experience building natural-language-to-SQL or other conversational data interfaces
- Experience in a regulated environment (financial services, healthcare, etc.) with an instinct for data governance
- Experience with data lake / lakehouse technologies (Iceberg, Hive, Glue) and/or Snowflake
- Fluency with AI-assisted development tools in a daily engineering workflow
#LI-JJ1 #LI-Hybrid #LI-Onsite
Salary Range: $150,000.00 - $200,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
Skills Required
- 5+ years of software engineering experience with a focus on full-stack web and API development
- Strong front-end skills with React and TypeScript
- Strong back-end / API development skills in Python
- Hands-on experience building with large language models (LLM APIs, agents, RAG)
- Proven experience with AWS (ECS, IAM, S3 and data services such as Glue, Athena, Lake Formation)
- Strong experience with relational databases and SQL
- Experience with Git for version control and code review processes
- Strong problem-solving skills and focus on delivering performant, operationally stable solutions
- Experience building agentic systems, function-calling/tool-use loops, or MCP servers/tools
- Experience with retrieval-augmented generation, vector search, embeddings, or pgvector
- Experience building natural-language-to-SQL or conversational data interfaces
- Experience in regulated environments with data governance (financial services, healthcare, etc.)
- Experience with data lake / lakehouse technologies (Iceberg, Hive, Glue) and/or Snowflake
- Fluency with AI-assisted development tools in daily engineering workflow
Cross River Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Cross River and has not been reviewed or approved by Cross River.
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Healthcare Strength — Company materials state it pays 100% of premiums for medical, dental, and vision for eligible employees and their families, and covers $100,000 life and $100,000 AD&D. Feedback often highlights this employer-paid coverage as a standout element of the package.
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Affordable Benefits — Fully covered health premiums reduce employee out-of-pocket premium costs and increase the perceived value of total compensation. Feedback suggests strong ratings for health, dental, and vision coverage.
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Wellbeing & Lifestyle Benefits — Hybrid flexibility (role/location dependent), wellness budgets in some regions, and HQ amenities like a gym, cafe, shuttle, haircuts, and dry cleaning are highlighted in company materials. Learning and development support, an employee development fund, and volunteer opportunities are also featured.
Cross River Insights
What We Do
Cross River provides technology infrastructure powering the future of financial services. Leveraging a proprietary real-time banking core, Cross River delivers innovative and scalable embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. Member FDIC.
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