Backend Software Engineer

About the company Our client is a financial services company. The role Raydar is recruiting for this role on behalf of our client. Design and build backend services for transaction processing and financial record-keeping, owning systems from architecture through production support. The work spans checkout flows, access controls, risk checks and reconciliation, with a focus on correctness and reliability. What you'll do - Develop order-processing paths that carry a customer's request through to final confirmation across browser-based, protocol-based and direct API channels. - Design secure credential storage and access boundaries so sensitive data is never exposed to downstream callers. - Build permission, budget and approval logic, along with the user-facing tools used to configure and review it. - Build risk detection systems for account compromise and fraudulent counterparties. - Own reconciliation and ledger accuracy at high volume, including resolving ambiguous transaction outcomes such as timeouts. What we're looking for - 3+ years of engineering experience at large-scale technology companies or a chartered bank or chartered trust, with a clear interest in joining a small, young company. - Has built a payment processor directly, not only integrated a third-party one. - Track record of running live backend systems independently from design through operation, including being on the hook for incidents. - Background in platform or infrastructure work, such as developer tools, distributed systems or payment integrations at fintech companies. - Designs for failure from the start, including timeouts, retries, idempotency and backpressure. - Working knowledge of TypeScript and Node.js. - Able to work on-site five days a week in San Francisco and uses AI tools day to day. Bonus points - Prior work on card programs, payment card data security compliance, metered billing, fraud screening, or gateway and request-routing layers. Compensation and benefits - Base salary: $185K to $360K Location and work model - San Francisco Bay Area, CA, United States - On-site, 5 days a week in the office - Full-time