Payoneer is a global financial platform founded in 2005, serving customers and partners in over 190 countries with 2,500+ colleagues.
PAYO Digital Bank, N.A. (PDB) is Payoneer's national trust bank subsidiary.
Responsibilities
Architect and build the bank's core backend, including microservices, transactional persistence schemas, event messaging endpoints, and internal APIs documented to OCC examination standard
Design the reconciliation architecture guaranteeing consistency between the fiat subledger, reserve accounts, and on-chain token supply
Build the event messaging layer synchronizing core ledger transactions with custody platform mint/burn actions
Serve as technical lead and mentor for the Core Backend team
Integrate automated sanctions screening connectors with auditable screening and case escalation hooks
Partner with SRE Lead on multi-region availability, failover targets, and real-time ledger alerting
Support UAT, feature freezes, and external control validation ahead of the pre-opening exam
Requirements
12+ years of software engineering experience, including 5+ years architecting high-integrity transactional systems (banking core, payments ledger, exchange, or settlement infrastructure)
Deep understanding of event-driven architecture, exactly-once processing semantics, idempotency, and reconciliation at scale
Hands-on experience with Kubernetes, Infrastructure-as-Code, and multi-region deployment in a regulated environment
Track record designing immutable transaction logs, reconciliation controls, and automated evidence generation
Proven success elevating the technical output of senior engineers
Ability to produce system architecture documentation that withstands regulatory and audit scrutiny
Bonus: experience with stablecoin, digital asset custody, or blockchain settlement systems; familiarity with FFIEC IT examination or SOC 2
Conditions
Annual base salary range: $220,000 — $278,000 USD
Health, disability, life insurance, 401k, paid time off
Discretionary year-end bonus
Candidates must be based in New York, NY or Miami, FL