Software Engineer, Banking

ABOUT ONEPAY OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: - Ready to run - Hungry and driven by urgency - Exceptional at what they do, with low ego - Comfortable operating in motion THE ROLE As a Software Engineer on the Banking team, your work will directly impact how people access, move, and manage their money. You will: - Design and deliver new features that scale with our growing customer base and help ensure a seamless mobile experience.

• Collaborate closely with other engineers to ship high-quality code. We enjoy partnering on tough problems.
• Create and maintain clear documentation — a must-have for a growing, remote organization.
• Tackle complex challenges at scale, including sensitive financial data and real-time money movement.

• Experience working on mobile or user-facing applications — ideally with React Native or similar frameworks.
• Passion for your craft and care for the people you work with — you value quality across code, communication, and culture.
• Drive and proactivity - everyone here is a builder and executor.

• Show mastery of cloud‑native fintech stacks: In your resume and cover letter, highlight hands‑on experience with AWS (or GCP/Azure) services commonly used in banking platforms—e.g., Lambda, DynamoDB, S3, KMS, and Terraform for IaC. Include a brief code snippet or GitHub repo that demonstrates a secure API gateway or a microservice handling PCI‑compliant transactions.
• Demonstrate banking‑grade security practices: Build a small open‑source project (or a private repo you can share) that implements tokenization, encryption‑at‑rest, and audit logging for financial data. Mention any relevant certifications (e.g., CISSP, AWS Security Specialty) and be ready to discuss threat modeling in the interview.
• Tailor your portfolio to OnePay’s product mix: Create a showcase of 2–3 projects that intersect banking, high‑yield savings, or crypto—such as a simulated savings account with interest calculations, a credit‑card transaction simulator, or a blockchain‑based settlement flow. Include clear README sections that map each feature to OnePay’s “all‑in‑one” vision.
• Prepare data‑driven problem‑solving stories: OnePay values speed and impact. Use the STAR format to describe a time you reduced latency or improved throughput of a payment pipeline by ≥30 % (e.g., optimizing a Kafka consumer, refactoring a Ruby/Rails service, or introducing Go concurrency). Quantify results and tie them to user‑experience or cost savings.
• Negotiate with the “scale + distribution” angle: When discussing compensation, reference OnePay’s backing by Walmart and Ribbit Capital to justify a market‑competitive remote salary band (e.g., 120–150 % of the median for US remote software engineers in fintech). Emphasize how your experience handling high‑volume, low‑latency systems will accelerate OnePay’s growth, and ask for equity or performance‑based bonuses tied to platform adoption milestones.