Senior Software Engineer - Payments & Treasury
Content + Source + Freshness • 14 Feb 2026 • 95% confidence
Offer value
Strong growth potential in a cutting-edge fintech company, with competitive compensation and significant technical challenges.
- Competitive compensation with stock options.
- Role in a rapidly growing fintech company.
- Involvement in innovative payment solutions.
- Requires advanced engineering and problem-solving skills.
Pros
- High impact role in an innovative fintech environment.
- Competitive salary and stock options for growth.
- Work with modern technologies and scalable systems.
Cons
- Fast-paced environment may create pressure.
- Requires deep technical expertise and adaptability.
- Remote work may involve limited team interactions.
Who it's for
Senior • Remote
Good fit
- Experienced software engineers in fintech.
- Candidates seeking challenging and impactful roles.
- Tech professionals aspiring to work remotely.
Not recommended for
- Entry-level developers seeking basic roles.
- Individuals preferring highly structured environments.
- Candidates with limited remote work experience.
Motivation fit
Key skills
About the job
Note: While 100% remote, this position gives preference to candidates living near the Greater Tokyo area.
Who We Are:
Alpaca is a fast-growing series B fintech company that’s raised over $120 million in funding.
Alpaca is an API-first stock and crypto platform that enables developers and businesses across the world to build trading algorithms, applications, and brokerage services.
Our globally distributed team consists of developers, traders, and brokerage specialists, and is backed by a group of prominent investors and highly experienced industry angel investors, including Portage Ventures, Spark Capital, Tribe Capital, Social Leverage, Horizons Ventures, Unbound, SBI Group, Eldridge, Positive Sum, Elefund, and Y Combinator.
And, of course, we are very enthusiastic about open source contributions as well as community building.
The Alpaca Team:
We have 150+ globally distributed (remote) team members who love to work from their favorite places in the world. We have team members based in the USA, Canada, Hungary, Japan, Brazil, Spain, Philippines, Nigeria, UK, and more! We love candidates who have a passion for making a global difference in financial services and technology, by impacting local communities and becoming a part of our hyper-growth company.
Your Role
As a senior software engineer, you will help build and scale the systems and services that form the foundation of Alpaca and empower millions of users that are trading billions of dollars worth of assets daily .
The payments team is responsible for building and maintaining a modern global payments and treasury platform. Operating in an industry in which money movement is a critical component, we adopt a modern technology focused approach with highly scalable, event-driven systems. Resilient engineering, technical and operational scalability, and system integrity are crucial to our success.
We have ambitious plans to build a seamlessly integrated comprehensive treasury platform into an industry leading end-to-end financial infrastructure on a global scale. Alpaca has and will continue to prove ourselves as an innovative market leader and this team is a core component of our growth across global markets and asset classes.
We are looking for senior engineers who are keen on providing quality solutions, have great fundamentals, proven experience building and architecting at scale, and not afraid of challenging conventions or voicing their opinions. In this role, you will have the autonomy to design and implement solutions to achieve defined goals while actively participating in defining those goals.
An understanding of cloud-based modern architecture, infrastructure, and orchestration practices are also great assets we actively look for.
Who You Are (Must-Haves):
- Strong problem-solving skills paired with a proactive mindset
- Excellent communication and collaboration skills
- The ability to work independently and as part of a team
- A preference for simple and elegant solutions
- At least 3 years of experience working on systems at scale
- Proven experience in building and maintaining microservices
- Experience with client facing APIs
- Strong coding skills, preferably in Go
- Ability to write clean, well tested, and maintainable code
- Experience with domain driven design and event driven design
- Ability to debug issues or better yet, foresee problems and avoid them entirely
- Familiarity with containerization and orchestration technologies, especially Kubernetes
- Experience with cloud platforms, preferably Google Cloud Platform
- Experience with messaging queues and message brokers
- Experience with relational databases, preferably PostgreSQL
- Experience with distributed systems design
- Previous experience with or understanding of payment rails and the payment lifecycle
- Experience with double entry accounting and financial ledgers
Who You Might Be (Nice-to-Haves):
- Previous experience in the financial industry or knowledge of payments initiations
- Experience with financial reconciliation systems
- Experience with or understanding of ISO20022 financial standard
- Experience working remotely
- Experience working at a startup, exchange, brokerage, market maker, or hedge fund
- DevOps mindset is an asset
How We Take Care of You:
- Competitive Salary & Stock Options
- Benefits: Health benefits start on day 1. In the US this includes Medical, Dental, Vision. In Canada, this includes supplemental health care. Internationally, this includes a stipend value to offset medical costs.
- New Hire Home-Office Setup: One-time USD $500
- Monthly Stipend: USD $150 per month via a Brex Card
- Work with awesome hard working people, super smart and cool clients and innovative partners from around the world
Alpaca is proud to be an equal opportunity workplace dedicated to pursuing and hiring a diverse workforce.
