Senior Staff Engineer
Payoneer · Remote, US
About this role
**Senior Staff Engineer** **About Payoneer** Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders—connecting underserved businesses to a rising global economy. With 2,500+ colleagues worldwide, Payoneer serves customers and partners in 190+ countries and territories. **Role summary** PAYO Digital Bank, N.A. (PDB)—Payoneer’s national trust bank subsidiary—is seeking a Senior Staff Engineer to be the technical anchor of the bank’s engineering organization and the architect of record for its core transactional systems. You will own the integration between the core banking ledger and the stablecoin issuance engine: the system of record that reconciles fiat reserves, on-chain token supply, and customer balances with bank-grade accuracy and auditability. This is a high-impact, hands-on architecture and leadership role reporting directly to the Chief Technology Officer of PDB. **Locations / Type** New York, NY | Miami, FL | Full-time --- ## What you’ll do - **Core Architecture Ownership:** Architect and build the bank’s core backend, including microservices, transactional persistence schemas, event messaging endpoints, and internal APIs—documented to a standard suitable for OCC examination. - **Ledger & Stablecoin Integration:** Design reconciliation architecture ensuring absolute consistency between the fiat subledger, reserve accounts, and on-chain token supply. Build a secure event messaging layer synchronizing core ledger transactions with custody platform mint/burn actions. - **Technical Leadership:** Lead and mentor the Core Backend team. Set uncompromising standards for code reviews, testing, observability, and deployment appropriate for a regulated bank. - **Compliance in the Transaction Path:** Integrate automated sanctions screening connectors with auditable screening and case escalation hooks. - **Resilience & Observability:** Partner with the SRE Lead on multi-region availability, failover targets, and real-time ledger alerting. Work with Security on IAM, key management interfaces, and threat modeling for mint/burn pipelines. - **Audit Readiness:** Support UAT, feature freezes, and external control validation ahead of the pre-opening exam. --- ## Who you are - **Engineering Depth:** 12+ years of software engineering experience, including 5+ years hands-on architecting high-integrity transactional systems (banking core, payments ledger, exchange, or settlement infrastructure). - **Distributed Systems Expertise:** Strong event-driven architecture experience, exactly-once processing semantics, idempotency, and reconciliation at scale. - **Cloud-Native Infrastructure:** Hands-on experience with Kubernetes, Infrastructure-as-Code, and multi-region deployment in regulated/audited environments. - **Audit-Grade Engineering:** Experience designing immutable transaction logs, reconciliation controls, and automated evidence generation for examiners and external auditors. - **Technical Mentorship:** Proven ability to elevate senior engineers, set architectural standards, and own delivery end-to-end. - **Regulator-Ready Documentation:** Ability to produce system architecture documentation that withstands regulatory and audit scrutiny. --- ## Not a must, but a great advantage - **Digital Asset Systems:** Experience with stablecoins, digital asset custody, or blockchain settlement systems, including on-chain/off-chain reconciliation. - **Examination Environments:** Familiar
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