
Senior Staff Software Engineer, Payments
Posted 1 hour ago

Posted 1 hour ago
This is a fully remote position, open to applicants in United States.
β’ Define and drive the multi-quarter technical strategy for Payments, encompassing rails, orchestration, and transfers to support the launch of new products, entry into new geographies, and significant increases in payment volume.
β’ Design and enhance the core Payments platform (including rails integrations, routing, and funds-flow services) to ensure high availability, low latency, and cost efficiency at a global level.
β’ Lead the comprehensive design and implementation of large-scale, cross-team initiatives (for example, new global rails, decomp/migrations, and resiliency programs), translating high ambiguity into clear milestones and measurable outcomes.
β’ Establish and uphold technical standards for financial accuracy across Payments, covering idempotency, reconciliation, failure-mode management, and auditability for all monetary movement pathways.
β’ Collaborate closely with FinHub, Payments Risk, Regulatory Platform, and Product to develop cohesive architectures that balance customer experience, risk management, compliance, and unit economics.
β’ Offer extensive technical mentorship to senior and staff engineers across Payments pods, enhancing the quality of system design, review processes, and long-term maintainability.
β’ Utilize data and observability signals (such as success rates, latency, costs, and incident patterns) to identify structural gaps in the platform and lead systematic improvements in reliability and efficiency.
β’ Represent Payments in executive and cross-organizational forums, effectively communicating trade-offs, aligning stakeholders with strategy, and securing support for high-impact technical initiatives.
β’ Over 10 years of experience in building and operating large-scale distributed systems in production environments.
β’ Extensive experience in money-movement architecture (including PSPs, ISO 20022, routing, double-entry, and high-volume payment systems).
β’ In-depth knowledge of backend programming (such as Python, Go, Java) and cloud-native architecture.
β’ Proven history of designing systems that are highly available and perform at a high level.
β’ Ability to foresee scaling bottlenecks before they arise and take proactive, decisive measures.
β’ Experience leading cross-functional technical initiatives and mentoring senior engineers.
β’ Dedication to technical excellence, sharing best practices, and cultivating a robust engineering culture.
β’ Skill in simplifying complex technical concepts into clear and actionable solutions.
β’ Total compensation may also include equity and bonus eligibility.
β’ Benefits package includes medical, dental, vision, and 401(k).
Capital One
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