Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments.
Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years.
We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others.
We're a team of 170+ across 26 states and 7 countries, headquartered in New York City.
We are hiring a Senior Software Engineer for Lithic’s Card Authorization team, which owns the real-time systems that make every card authorization decision correct, reliable, and fast. The team also owns related fraud tooling, including Lithic’s Rules Engine and 3D Secure integration. You’ll own high-impact projects end-to-end, solve distributed-systems problems at scale, and help build the tools customers use to control fraud and payment risk.
Job responsibilities:- Write reliable, secure, scalable code for Lithic’s real-time authorization and fraud-prevention systems with minimal tech debt
- Build customer-facing features, such as rules improvements, velocity controls, 3DS flows, fraud tooling, and transaction monitoring. Own projects from planning to launch.
- Improve the reliability of systems in team’s scope and participate in the team on-call rotation
- Lead efforts to improve systems and processes within the team
- 4+ years building production backend systems. Full stack experience is a plus.
- Experience in or desire to learn Rust; ability to understand Lithic’s system written in other programming languages (Python, Java)
- Interest and experience in leveraging AI tools to enhance productivity
- Ability to navigate ambiguity, align diverse perspectives, and drive toward practical solutions
- Experience or interest in payments, fintech, fraud prevention.
- Comfort with designing systems from scratch and owning the product development process end-to-end
- Strong written communication skills and experience working in a remote, async-first team that’s spread across time zones
The annual US salary range for this role is $160,000 to $200,000 plus equity. This salary range may be inclusive of several career levels at Lithic and will be narrowed during the interview process based on the candidate’s experience and qualifications.
This is a remote position. However, candidates must be located in the United States, Canada (Ontario or British Columbia), Netherlands, Poland, or Czech Republic. We do not offer visa sponsorship or assistance.
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- Unlimited PTO
- 12-weeks fully paid parental leave
- 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary)
- Work From Anywhere: work from anywhere in the world 4-weeks each year
- 3% cashback on card purchases with your complimentary Privacy.com employee account
- Health, vision, and dental insurance; HSA Contribution Match
- 401(k) match
- Voluntary Life Insurance and STD/LTD
NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs.
In-office employees receive:
- Commuter benefit
- Catered lunch every Tuesday and Thursday
Skills Required
- 4+ years of experience building production backend systems
- Experience with or willingness to learn Rust
- Ability to understand systems written in Python and Java
- Interest and experience using AI tools to enhance productivity
- Ability to navigate ambiguity, align diverse perspectives, and drive practical solutions
- Experience or interest in payments, fintech, or fraud prevention
- Ability to design systems from scratch and own product development end-to-end
- Strong written communication skills
- Experience working in a remote, async-first team across time zones
- Full-stack experience
Lithic Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Lithic and has not been reviewed or approved by Lithic.
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Healthcare Strength — Health coverage includes medical, dental, and vision, with descriptions of comprehensive plans and even unlimited mental‑health therapy coverage. Company materials also note contributions toward premiums.
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Leave & Time Off Breadth — Time‑away policies include flexible/unlimited PTO and a fully paid four‑week sabbatical after five years. Paid holidays and bereavement leave are also cited.
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Parental & Family Support — Family support features 12 weeks of fully paid parental leave for new parents. This policy is prominently listed alongside other core benefits.
Lithic Insights
What We Do
Before Lithic, we started Privacy.com in 2014 to build the safest and easiest way for consumers to pay online. We worked with a legacy issuer processor and it took us over a year to launch our card program. Even after we were up and running, scaling and ongoing maintenance were a pain—batch processing delays, scheduled downtime windows, and black-box systems we couldn't debug. From this experience, we learned firsthand that the financial services supply chain is broken—in the United States, the industry is still dominated by 30-year-old companies that run on mainframes. So we built Lithic, the issuing and processing infrastructure we always wanted, with developer-friendly, modern, well-documented APIs, insanely fast speed-to-market, and flawless reconciliation—purpose built to give card issuers extremely high levels of observability, control, and flexibility over their card programs. We own the entire technical stack: direct connections to Visa, Mastercard, and Amex, our own authorization engine delivering sub-100ms responses, an immutable ledger system, and real-time webhooks for every transaction event. Today, we power card programs for 100+ innovative companies including Mercury and Privacy.com—maintaining 99.99+% uptime without maintenance windows while processing billions in payment volume. And we're just getting started. Lithic currently has 150+ employees in 26 states and 6 countries, with an HQ in NYC, backed by Bessemer, Index, and Stripes.
Why Work With Us
Our team is at the center of everything we do. But we know that work isn't everything, we value flexibility and quality benefits. We strive to be a place where you know your ideas are always heard, you and your teammates learn from each other and make each other better, and you know your work is impacting users and the industry at large.
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