Software Engineer, Compliance & Money Ops

Job Posted 11 Days Ago Posted 11 Days Ago
New York, NY
Hybrid
Junior
Fintech • Mobile • Payments • Social Impact • Financial Services
We're fixing what’s broken in consumer credit with our data-driven platform, helping millions build a brighter future.
The Role
As a Software Engineer on the Compliance & Money Operations team, you will develop and enhance systems to meet compliance standards, work with Product teams on process improvements, and collaborate with various functional teams to ensure reliable operations and system robustness.
Summary Generated by Built In

At January, we're transforming the lives of consumers by bringing humanity to consumer finance. Our data-driven products help financial institutions streamline their collections, offering borrowers straightforward and compassionate solutions to regain financial stability and control over their lives. We're not just expanding access to credit – we're restoring dignity and giving millions of people the chance to achieve financial freedom.

About the Role

As a Software Engineer on our Compliance & Money Operations team, you will play a key role in building and improving new and existing systems that help us navigate complex regulations and meet compliance standards. Our team envisions a future where every dollar moves with precision, every report shines with accuracy, and every audit impresses with ease. You’ll work closely with cross-functional teams, including Legal, Finance, and Customer Success, to ensure we deliver reliable, scalable systems that can handle the growing needs of our business. Your contributions will directly impact how we streamline our operations and improve outcomes for both our clients and borrowers.

What You’ll Work On

  • Build and Enhance Compliance Systems: Develop systems that deliver consistent timelines and outcomes while seamlessly meeting compliance and audit requirements.

  • Partner with Product Teams: Work closely alongside Product to identify opportunities for improving key processes, such as compliance testing and reconciliation, ensuring reliable and accurate operations.

  • Collaborate with Cross-Functional Teams: Work closely with teams like Legal, Finance, and Customer Success to understand business requirements and translate them into technical solutions that meet compliance standards.

  • Contribute to System Improvements: Take ownership of key components of the system, from design to implementation, while ensuring the software is robust and meets business and regulatory needs.

What You Bring to the Table

  • 2+ years of experience as a software engineer, working on scalable systems.

  • Experience in cloud platforms and building reliable, production-grade systems.

  • Familiarity with compliance tools or financial software (bonus points if you have a background in finance or accounting).

  • A passion for building systems that solve real-world problems and make an impact.

  • Experience in Agile development methodologies, delivering projects in a collaborative, iterative manner.

  • A drive to continuously learn, grow, and contribute to the success of your team and the company.

We are currently hiring for this position in our New York office.

As a New York City-based company, we are dedicated to transparent, fair, and equitable compensation practices that reflect our commitment to fostering an environment where all team members are valued and supported. We encourage individuals from all backgrounds to apply.

We are an equal opportunity employer committed to diversity and inclusion in the workplace. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, age, veteran status, or any other legally protected characteristic.

Top Skills

Software Engineering

What the Team is Saying

Person1
Ray
Workplace Experience Manager
“I love the people at January! Everyone you speak to is genuinely interested in you as a person, not just an employee. We have weekly coffee chats that are a great way to meet new people. Team collaboration is a verb for us, not just a saying.“
Ray
Lina
AJ
Danielle
Vanessa
Linya
Jake
Sam
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The Company
HQ: New York, NY
90 Employees
Hybrid Workplace
Year Founded: 2016

What We Do

At January, we bring humanity to consumer finance. Using data intelligence, we create trust and deliver better outcomes for consumers and creditors alike. Our mission is simple: expand access to credit while empowering consumers to achieve lasting stability and control of their financial lives.

We began by building the foundation for creditors to engage with and support their borrowers at scale across the entire debt lifecycle. We’ve mastered outsourced collections by combining best-in-class performance with differentiated consumer satisfaction and superior compliance. 

And we’re just getting started. Together, we’re creating a financial system where trust and opportunity spark lasting change in people’s lives.

Why Work With Us

We're driven to push boundaries and thrive in a culture of collaboration, rapid growth, and continuous learning, January offers the chance to do your best work.

We thrive on:
Writing to clarify thinking, scale collaboration, and drive intentionality.
Prioritizing impact over routine.
Embracing growth, feedback, and new challenges with humility.

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January Offices

Hybrid Workspace

Employees engage in a combination of remote and on-site work.

Headquartered in New York City with an office in San Francisco, we believe that in-person collaboration promotes creativity, camaraderie, and trust amongst our team. Because of this, we operate on a hybrid model, where our team comes in 2-3x a week.

Typical time on-site: 2.5 days a week
HQNew York, NY
San Francisco, CA
Learn more

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