Senior Software Engineer, Payments & Ledger

This is a fully remote position, open to applicants in United States.

📋 Description

• Design and enhance Splash’s double-entry ledger and wallet services.

• Take ownership of account structures for player cash, promotional balances, contest escrow, house accounts, and processor clearing.

• Develop payment flows for cards and ACH, and integrate future payment processors.

• Oversee API versioning, idempotent APIs, webhook handling, retries, refunds, chargebacks, and payout orchestration.

• Manage accounting for entry fees, rake, prize pools, promotions, and private contest fees.

• Implement real-time fraud and risk checks for deposits, withdrawals, and contest entries.

• Collaborate with Trust and Safety on cases requiring human review.

• Automate daily three-way reconciliation among the ledger, processor settlement reports, and bank statements.

• Input ledger and transaction data into Snowflake and dbt for finance reporting.

• Ensure exactly-once posting, safe concurrency, and regulator- and processor-ready audit trails.

• Participate in on-call rotations for payment systems.

• Work directly with Finance, Compliance, game operations, marketing, Trust and Safety, and engineering teams in the US and Prague.

⛳️ Requirements

• Over 5 years of backend engineering experience.

• A minimum of 2 years working on production payments, fintech, wallet, or ledger systems that handle real money.

• A strong familiarity with and enthusiasm for regulated real-money gaming such as DFS, sportsbook, iGaming, or peer-to-peer contests.

• Experience with state-by-state compliance and geolocation is a plus.

• Practical experience in designing a ledger system.

• A basic understanding of accounting fundamentals including debits and credits, chart of accounts, accruals, authorization versus settlement, and reconciliation.

• Experience with payment processor integration, including webhooks, idempotency keys, chargebacks, and settlement reports.

• Background in establishing or managing fraud and risk controls, including rules engines, velocity checks, KYC and AML vendor integrations, and manual review tools.

• Proficiency in NodeJS and TypeScript.

• Extensive knowledge of relational databases, particularly PostgreSQL.

• Understanding of isolation levels and locking, and the ability to design schemas for append-only financial data.

• Strong SQL capabilities.

• Experience in running scalable, highly available services in AWS, including PostgreSQL on RDS.

• Strong automated testing practices, including property-based or invariant tests for financial logic.

• Familiarity with Git and standard development tools.

• A degree in computer science or equivalent experience.

• Experience with escrow or custodial account models is a nice addition.

• Exposure to responsible gaming controls and tax reporting (W-2G, 1099) is beneficial.

• Experience with event-driven systems using SQS/SNS or Kafka, along with outbox patterns, is an asset.

• Familiarity with Snowflake and dbt, or experience collaborating with data teams on finance reporting, is a plus.

• Proficiency in React for internal tool development is a plus.

• Ability to work remotely while residing in the United States.

• Willingness to participate in on-call rotations, including during major sporting weekends.

• Awareness of PCI compliance for handling payment data and ensuring least-privilege access to financial systems.

🏝️ Benefits

• Opportunity to earn equity in the company.

• Medical, Dental, & Vision Insurance.

• 401K/Retirement Plan Options.

• Flexible PTO.

• Annual company retreats & team offsites.

• Frequent company-wide games with cash prizes.

• Chance to help build products for millions of fans across the country.