Sr. Software Engineer, Payments

About the role

The Sr. Software Engineer will lead the technical design and implementation of Plug's payment solution across consumer and businesses, including KYC/KYB onboarding, ACH pay-in and pay-out rails, card acceptance, platform fee capture, and settlement reconciliation. They will also collaborate with colleagues and be a strong voice in product and architecture design sessions.

Responsibilities

• Payments Lead the technical design and implementation of Plug's payment solution across consumer and businesses: KYC / KYB onboarding, ACH pay-in and pay-out rails, card acceptance, platform fee capture, and settlement reconciliation.
• Participate in the vendor selection process - evaluate solutions such as Stripe Connect, Modern Treasury.
• Possibly create PoC builds. Provide analysis documents.
• Design, implement, test, debug, and document payment features ensuring correctness, idempotency, and auditability.
• Take ownership of features end-to-end, evaluating effort, risk, and priority in an agile environment with Finance and Product as key internal stakeholders.
• Engineering Collaborate with colleagues and be a strong voice in product and architecture design sessions.
• Use agentic coding tools to write clear, efficient, and scalable code with an eye toward flexibility and maintainability.
• Own and contribute to team productivity and process improvements, including bringing payments domain knowledge to the broader team.
• Actively raise the technical bar through thoughtful code review, pairing, and knowledge sharing - including how you use AI tools.

Requirements

• 5+ years of hands-on experience developing and delivering production applications; 3+ years of payments experience.
• Demonstrated experience implementing payment flows in production involving ACH/wire/real-time payments, marketplace split settlements, wallets, for benefit of (FBO) accounts, or platform payouts.
• Understanding of ACH mechanics (return codes, NACHA authorization, account validation), and KYC/KYB processes (UBO identification, OFAC screening).
• Demonstrated proficiency in TypeScript across the full stack - backend, frontend, PostgreSQL schema design for financial data, and API/webhook integrations.
• Temporal or comparable durable workflow experience is a strong plus.
• Experience designing idempotent systems and working with double-entry ledger concepts - can speak to exactly-once semantics and reconciliation schema design.
• Hands-on experience deploying and operating cloud-hosted applications; comfort with infrastructure-as-code (we use Terraform), CI/CD pipelines, and observability tooling.
• Operates in agent-first development workflows - comfortable orchestrating multiple agents, defining clear acceptance criteria, and reviewing AI-generated output with a high quality bar.
• Prior startup experience and a track record of owning work end-to-end: scoping, shipping, and measuring impact.

Qualifications

• Authorized to work in the US for any employer.

Skills

• Strong understanding of ACH mechanics, KYC/KYB processes, and financial regulations.
• Proven experience in TypeScript and related technologies.
• Experience with cloud deployment and CI/CD pipelines.
• Ability to work in an agile environment and prioritize tasks effectively.
• Strong communication and collaboration skills.

Benefits

• Health, vision, and dental insurance.
• Daily lunch stipend.
• Opportunities for growth and development.