About Payoneer
Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.
By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.
Role summary
PAYO Digital Bank, N.A. (PDB), Payoneer's national trust bank subsidiary, is seeking a deeply experienced Senior Staff Engineer to serve as the technical anchor of the bank's engineering organization and the architect of record for its core transactional systems. You will own the design of the integration between the core banking ledger and the stablecoin issuance engine: the system of record that reconciles fiat reserves, on-chain token supply, and customer balances with bank-grade accuracy and auditability.
This is a high-impact, hands-on architecture and leadership role reporting directly to the Chief Technology Officer of PDB, providing technical direction to the core team of engineers.
The ideal candidate is a distributed systems expert with high-integrity transactional experience (banking core, payments ledger, exchange, or settlement infrastructure). You must be able to defend architectural decisions to independent auditors and OCC examiners, and build engineering culture as deliberately as you build systems.
New York, NY | Miami, FL | Full-time
What you'll do
- Core Architecture Ownership: Architect and build the bank's core backend, including microservices, transactional persistence schemas, event messaging endpoints, and internal APIs, documented to a standard suitable for OCC examination.
- Ledger & Stablecoin Integration: Design the reconciliation architecture guaranteeing absolute consistency between the fiat subledger, reserve accounts, and on-chain token supply. Build the event messaging layer securely synchronizing core ledger transactions with custody platform mint/burn actions.
- Technical Leadership: Serve as the technical lead and mentor for the Core Backend team. Establish uncompromising standards for code reviews, testing, observability, and deployment appropriate for a regulated bank.
- Compliance in the Transaction Path: Integrate automated sanctions screening connectors with auditable screening and case escalation hooks.
- Resilience & Observability: Partner with the SRE Lead on multi-region availability, failover targets, and real-time ledger alerting. Work with the Security division on IAM, key management interfaces, and threat modeling for mint/burn pipelines.
- Audit Readiness: Support UAT, feature freezes, and external control validation ahead of the pre-opening exam.
Who you are
- Engineering Depth: 12+ years of software engineering experience, including 5+ years hands-on architecting high-integrity transactional systems (banking core, payments ledger, exchange, or settlement infrastructure).
- Distributed Systems Expertise: Deep understanding of event-driven architecture, exactly-once processing semantics, idempotency, and reconciliation at scale.
- Cloud-Native Infrastructure: Hands-on experience with Kubernetes, Infrastructure-as-Code, and multi-region deployment in a regulated or audited environment.
- Audit-Grade Engineering: Track record designing immutable transaction logs, reconciliation controls, and automated evidence generation for examiners and external auditors.
- Technical Mentorship: Proven success elevating the technical output of senior engineers, setting architectural standards, and owning delivery end-to-end.
- Regulator-Ready Documentation: Ability to produce system architecture documentation that withstands intense regulatory and audit scrutiny.
Not a must but a great advantage:
- Digital Asset Systems: Direct experience with stablecoin, digital asset custody, or blockchain settlement systems, including on-chain/off-chain reconciliation.
- Examination Environments: Familiarity with FFIEC IT examination expectations or SOC 2 audit environments.
Why This Role Matters Every dollar of PAYO-USD in circulation depends on the systems this role designs. The Senior Staff Engineer builds the transactional backbone that regulators examine, auditors verify, and merchants trust.
In accordance with New York City Law, below is the annual base salary range for this position. Actual annual base salary is based on, but not limited to: experience, education, professional licenses, location and business needs. The position is eligible for health insurance, disability insurance, life insurance, 401k plan, paid-time off, and sick (and where applicable safe) leave. This position is also eligible for a discretionary year-end bonus.
The Payoneer Ways of Working
Act as our customer’s partner on the inside
Learning what they need and creating what will help them go further.
Do it. Own it.
Being fearlessly accountable in everything we do.
Continuously improve
Always striving for a higher standard than our last.
Build each other up
Helping each other grow, as professionals and people.
If this sounds like a business, a community, and a mission you want to be part of, apply today.
We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.
Skills Required
- 12+ years of software engineering experience
- 5+ years hands-on experience architecting high-integrity transactional systems such as banking cores, payment ledgers, exchanges, or settlement infrastructure
- Deep expertise in distributed systems, event-driven architecture, exactly-once processing, idempotency, and large-scale reconciliation
- Hands-on experience with Kubernetes, Infrastructure-as-Code, and multi-region deployments in regulated or audited environments
- Experience designing immutable transaction logs, reconciliation controls, and automated audit evidence generation
- Proven technical mentorship and experience setting architectural standards and owning delivery end-to-end
- Ability to produce architecture documentation suitable for regulatory and audit scrutiny
- Experience with stablecoin, digital asset custody, or blockchain settlement systems
- Familiarity with FFIEC IT examination expectations or SOC 2 audit environments
- Experience at a de novo bank, chartered fintech, or bank technology vendor
Payoneer Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Payoneer and has not been reviewed or approved by Payoneer.
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Healthcare Strength — Healthcare coverage in the US is described as fully funded for medical, dental, and vision. Feedback suggests this materially boosts the value of total rewards.
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Leave & Time Off Breadth — Time off includes 20 PTO days and supportive flexibility such as work-from-home reimbursements. These elements are frequently cited as enhancing work-life balance.
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Wellbeing & Lifestyle Benefits — Wellbeing and lifestyle perks such as wellness stipends, free Friday lunches, stocked kitchens, and office events are highlighted. These extras are seen as augmenting overall compensation value.
Payoneer Insights
What We Do
Payoneer is the financial technology company empowering borderless businesses to transact, do business, and grow globally. Founded in 2005, we're here to enable entrepreneurs and businesses in 190+ countries and territories to succeed in the global economy. Our all-in-one financial platform is built to removes barriers and simplify cross-border commerce, making it easier for millions of SMBs to pay and get paid, manage their funds across multiple currencies, and grow their businesses.
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