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Software Engineer

Modern Treasury Inc.

Job Overview

Location

San Francisco

Job Type

Full-time

Full Job Description

📋 Description

• Own the full lifecycle of features that move billions of dollars: from white-boarding the data model and API design, through writing Ruby, React, SQL and Terraform, to shepherding releases safely across our multi-region AWS stack and monitoring them in Datadog and Sentry.
• Ship weekly to production with zero-downtime blue-green deployments. You’ll open small, reviewable PRs, watch our CI pipeline pass in <10 minutes, and merge confidently behind feature flags that let us toggle behavior for 1% of traffic before full rollout.
• Build fault-tolerant money-movement workflows that reconcile ACH, wire, RTP and stable-coin rails in real time. You’ll model double-entry ledgers in Postgres, enqueue idempotent Sidekiq jobs, and surface payment status to customers via webhooks and a React dashboard.
• Tackle gnarly edge cases: same-day ACH cutoff windows, OFAC screening delays, bank holidays in 50 states, and idempotency keys that protect merchants from duplicate debits. You’ll write exhaustive RSpec tests and property-based checks to prove our ledgers always balance.
• Instrument everything. Add Prometheus metrics, structured logs and tracing spans so that when a $50 M batch of payroll payments stalls at 2 a.m., the on-call engineer (often you) can pinpoint the stuck job in minutes and page the right bank partner.
• Pair with product managers and compliance counsel to translate 40-page bank specs into elegant JSON APIs. You’ll debate naming conventions, craft OpenAPI specs, and generate Postman collections that delight external developers.
• Refactor for the long haul. When a new Federal Reserve service introduces ISO 20022 messages, you’ll spike a parser, benchmark it against 1 M rows, and roll it out behind a feature flag without breaking existing customers.
• Level up our stack. Evaluate ParadeDB for hybrid vector + relational search, migrate Redis workloads to Elasticache in-place, or prototype a Rust micro-service for high-frequency FX rate polling—then share findings in our weekly eng lunch-and-learn.
• Mentor junior engineers through detailed code reviews and weekly 1:1s. You’ll celebrate their first successful deploy and gradually hand them ownership of entire subsystems.
• Contribute to an open, blameless culture. When an incident occurs, you’ll write a concise post-mortem that focuses on systems, not people, and propose concrete action items that make the next failure impossible.
• Work cross-functionally with finance, customer success and bank partners to debug reconciliation mismatches, design new compliance reports, and ensure our customers can close their books in minutes, not days.

🎯 Requirements

• 2+ years of professional software engineering experience
• Demonstrated history of shipping major features collaboratively
• Interest in full-stack development spanning backend jobs, databases and frontend UX
• Nice-to-have: production experience with Ruby on Rails, React and Postgres
• Nice-to-have: prior work on financial software, banking integrations, payment processing or cryptocurrencies
• Nice-to-have: proven ability to thrive in an autonomous, engineer-driven environment

🏖️ Benefits

• Work from San Francisco, New York or remotely from 25+ approved US states
• Zero-downtime CI/CD pipeline with <10-minute builds
• Weekly eng lunch-and-learn sessions and generous conference budget
• Blameless post-mortem culture focused on continuous improvement
• Equal employment opportunity and inclusive workplace policies

Skills & Technologies

Ruby

React

Rails

PostgreSQL

Redis

Remote

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Modern Treasury Inc.

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About Modern Treasury Inc.

Modern Treasury provides payment operations software that lets businesses move, track, and reconcile money across bank accounts and payment rails. Its APIs and dashboard automate ACH, wire, RTP, FedNow, and check payments, maintain ledger records, and surface real-time cash balances. The platform embeds approvals, compliance, and audit trails so finance and engineering teams can build bank integrations without maintaining legacy file formats or manual spreadsheets. Customers span fintechs, marketplaces, insurance, and real estate companies that need programmable, reliable money movement at scale.

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