Backend Engineer, Payments and Risk

About Stripe

Stripe is a financial infrastructure platform for businesses, enabling millions of companies to accept payments, grow revenue, and accelerate new opportunities. Our mission is to increase the GDP of the internet, offering an unprecedented opportunity to contribute to the global economy.

About The Payments and Risk Organization

The Payments organization at Stripe focuses on developing products and platforms that allow users to efficiently accept payments. This includes building APIs for processing payments, supporting regional and non-card payment options, and facilitating in-person payments. Teams like Optimized Checkout and Link aim to create best-in-class checkout experiences, enhancing customer satisfaction and boosting merchant conversion rates. The Risk Engineering team is dedicated to minimizing financial and regulatory risks while ensuring a seamless user experience, thus protecting Stripe’s brand and financial stability.

What You'll Do as a Backend Engineer, Payments and Risk

We are seeking Backend Engineers passionate about managing money at a global scale and building ergonomic APIs. You will be instrumental in extending Stripe's balance management platform and developing a new funds accessibility platform used by enterprises and SMBs worldwide. This role involves close collaboration with various cross-functional teams, from Infrastructure to Product, to deliver innovative solutions that meet evolving user needs.

Responsibilities

• Scope, design, build, and maintain APIs, services, and large-scale systems that reliably and efficiently handle billions of money movement requests.
• Debug and resolve critical production issues across multiple services and levels of the stack.
• Mentor fellow engineers to foster their professional growth.
• Collaborate with stakeholders across the company to develop new features at scale, while also improving internal engineering standards, tooling, and processes.
• Effectively collaborate in a distributed and hybrid team environment, maintaining open communication and strong connections with colleagues.

Who You Are

We encourage applications from candidates who meet the minimum requirements, with preferred qualifications being a bonus.

Minimum Requirements

• 2-12+ years of industry software engineering experience (excluding internships and co-ops).
• Strong coding skills in any programming language (our interview process is language agnostic, as new languages can be learned on the job).
• Strong collaboration skills, with the ability to work across different workstreams within your team and contribute to your peers’ success.
• Ability to thrive with a high level of autonomy, responsibility, and an entrepreneurial mindset.
• Interest in working as a generalist across various technologies and stacks to solve problems and delight both internal and external users.

Preferred Qualifications

• Experience with large-scale financial tracking systems.
• Good understanding and practical knowledge of cloud-based services (e.g., gRPC, GraphQL, Docker/Kubernetes, cloud services such as AWS).

Hybrid Work at Stripe

This role offers flexibility, available either in an office location or as a remote position (35+ miles or 56+ km from a Stripe office). Office-assigned Stripes are expected to spend at least 50% of their time in their local office or with users each month, balancing in-person collaboration with individual flexibility. Remote employees primarily work from home, though they are welcome in the office for specific meetings and events. Stripe does not cover relocation costs for remote roles, so applicants should consider roles matching their current or planned living location.

Pay and Benefits

The annual US base salary range for this role is $190,400 - $285,600. This range may cover several career levels and will be refined during the interview process based on experience, qualifications, and location. Additional benefits may include equity, company bonus, 401(k) plan, medical, dental, and vision benefits, and wellness stipends.

Key skills/competency

• Backend Engineering
• API Development
• Payments Processing
• Risk Management
• Distributed Systems
• Cloud Services (AWS)
• Microservices
• Software Design
• System Scalability
• Cross-functional Collaboration