Senior Software Engineer I, Payments

Qualia provides B2B real estate technology that simplifies and secures the home buying and selling process through a shared digital closing platform. The Senior Software Engineer I, Payments will design, build, and maintain payment systems for ACH and wire transfers, while ensuring transaction integrity, fraud prevention, regulatory compliance, and reliable money movement. The role also involves improving web applications, making architectural decisions, collaborating with cross-functional stakeholders, and participating in on-call support.

Responsibilities:

• Design, build, and maintain systems that process ACH and wire transfers at scale (billions of dollars annually), including origination, settlement, reconciliation, and exception handling
• Build and harden payment-processing pipelines that integrate with banking partners, payment rails, and third-party financial APIs
• Implement controls for wire fraud prevention, transaction verification, and anomaly detection alongside our security and compliance teams
• Improve and extend core web applications (frontend and backend) that support escrow accounting and closing-day money movement
• Own architectural decisions for payments infrastructure, including data integrity, idempotency, retry/failure handling, and audit logging
• Partner with Compliance, Risk, and Accounting stakeholders to ensure systems meet regulatory and audit requirements (e.g., NACHA rules, wire fraud regulations, SOC 2 controls)
• Participate in on-call rotation for payment-critical systems

Requirements:

• You've taken full ownership of complex, high-liability systems in production, and you know how to respond calmly and methodically when funds are on the line
• 5+ years of experience as a strong full-stack web developer is required
• Strong understanding of transactional integrity, idempotency, and failure-mode design in financial systems
• You have made key architectural decisions for large, high-stakes projects
• You have mentored junior developers
• You have worked on multiple engineering teams, both small and large
• Good product sense, strong attention to detail, and a passion for building systems people can trust with their money
• Direct experience building or maintaining other money-movement systems (banking, fintech, payments processors, or similar regulated environments strongly preferred
• Familiarity with payment rails, banking APIs, or financial compliance standards (NACHA, OFAC screening, PCI, SOC 2) is a strong plus