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 business opportunities. Our mission is to increase the GDP of the internet, offering an unprecedented opportunity to contribute to the global economy.

About The Organization: Payments and Risk

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

Team matching will occur during the final stages of the process, and candidates may also be considered for other organizations based on experience and location.

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 our balance management platform and developing a new funds accessibility platform for enterprises and SMBs. This role involves close collaboration with various cross-functional teams, from Infrastructure to Product, to deliver innovative solutions and address 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 solve critical production issues across various services and multiple levels of the stack.
• Mentor engineers to support their professional growth and development.
• Collaborate with stakeholders across the company to build new features at scale, while simultaneously enhancing internal engineering standards, tooling, and processes.
• Contribute effectively within a distributed and hybrid team, fostering 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, with an understanding that new languages can be learned on the job.
• Excellent collaboration skills, capable of working across workstreams and contributing to peers' success.
• Ability to thrive with a high degree of autonomy, responsibility, and an entrepreneurial mindset.
• Interest in working as a generalist across diverse technologies and stacks to solve problems for 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, AWS).

Hybrid Work at Stripe

This role offers flexibility, available either in an office or a remote location (35+ miles or 56+ km from a Stripe office). Office-assigned Stripes are expected to spend at least 50% of the time in their local office or with users each month, balancing in-person collaboration with individual flexibility. Remote employees are based 35 miles or more from an office, primarily working from home, though welcomed for team meetings and events. Stripe does not cover relocation costs for remote roles.

Pay and Benefits

The annual US base salary range for this role is $190,400 - $285,600. This range may cover multiple 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, vision benefits, and wellness stipends.

Key skills/competency

• Backend Engineering
• API Development
• Large-scale Systems
• Payment Processing
• Risk Management
• Financial Systems
• Distributed Systems
• Cloud Services (AWS, Kubernetes)
• Problem Solving
• Software Architecture