Senior Software Engineer

CertifID is a company focused on combating cybercrime in the real estate sector by providing a secure platform for verifying identities and authenticating transactions. They are seeking a Senior Software Engineer to lead the redesign of their payments architecture and set the technical direction for how money moves through CertifID over the next three years.

Responsibilities:

• Lead the design of a double-entry, multi-partner sub-ledger architecture that can support new rails, new products, and international counterparties without losing the invariants we rely on today
• Design the integration layer that lets us add, swap, or route across partners without rewriting product code, including NACHA file generation and parsing, Fedwire MT message handling, RTP and FedNow ISO 20022 messaging, positive pay, returns, and exception workflows
• Design how OFAC screening, BSA/AML signals, and our in-house fraud models run inline on every money movement decision with sub-second latency and no compromise on correctness
• Move us from nightly batch reconciliation to continuously-executing reconciliation against partner statements, with automated break detection, classification, and resolution workflows
• Rebuild our disbursement engine off a legacy state machine onto a ledger-backed, idempotent, rail-agnostic platform that handles originations, returns, reversals, refunds, and recoveries as first-class events
• Own the payments architecture, including the platform that originates, settles, reconciles, and recovers funds across ACH, RTP, FedNow, domestic wire, international wire, and check
• Set the standard for how we pursue correctness in financial code, including property-based tests for ledger invariants and design docs that enumerate failure modes before code is written
• Own the engineering relationship with our sponsor banks, including file formats, cutoff windows, partner outage handling, exception processing, and the abstraction that lets us onboard a new partner in weeks instead of quarters
• Design how sanctions screening fits into our settlement path and how we prove to auditors that every dollar is traceable
• Work shoulder-to-shoulder with our data science and trust and safety teams to embed real-time risk signals into every money movement decision
• Drive the three-year payments roadmap, including build versus buy decisions and when to introduce new rails
• Own the observability, incident response, and production readiness bar for financial systems

Requirements:

• Experience building production payments or financial systems at scale
• Deep, hands-on expertise across U.S. payment rails. You've shipped systems that move money over ACH, RTP, FedNow, wire, or check, and you understand the operational realities of each: cutoffs, returns, reversals, exceptions, reconciliation, and settlement
• Experience designing systems that handle international counterparties on U.S. rails. You understand how OFAC screening, correspondent banking, and beneficiary data requirements shape system design even when the rail itself is domestic
• Proven command of the primitives that make money movement safe: double-entry ledgers, idempotency, exactly-once processing, distributed state machines, eventual consistency tradeoffs, and reconciliation architectures
• Strong system design skills in high-volume, fault-tolerant transaction processing. You've designed for the failure modes, not just the happy path
• Production-grade skills in Python, Java, Go, C#, or an equivalent backend language, with deep familiarity running services on AWS or Azure
• Track record of leading technical direction for a team or domain without formal authority. You influence through clarity, evidence, and shipped systems
• Exceptional written communication. You can explain a ledger invariant to a product manager, a settlement outage to an executive, and a rail migration plan to a banking partner
• Pragmatism. You know when to ship the simple thing, when to invest in the platform, and when to push back on scope
• Experience integrating with sponsor banks, BaaS providers, or payment processors
• Working familiarity with NACHA rules, Reg E, Reg CC, OFAC screening, and BSA/AML controls as they apply to software design
• Experience with ISO 20022 messaging, Fedwire, SWIFT, or cross-border payment flows
• Experience with real estate, title, escrow, or closing workflows
• Experience building against SOC 2, PCI, or similar compliance regimes
• Prior work in fraud prevention, identity verification, or trust and safety platforms