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About the Role

Own every dollar that moves through the company's rails, including card issuing, disbursements, reconciliation, and regulatory reporting. Work directly with co-founders and the existing Payments Engineer to build the technical backbone for the company's mission.

Responsibilities

• Design a money movement flow including ledgered internal state, transaction lifecycle management, idempotency, retries, and deterministic replay.
• Own card issuing and banking-rail integrations, working directly with partners like Lithic, Column, and LoanPro.
• Build high-trust, reliable reconciliation between internal ledger, card network events, banking events, and vendor/provider reports.
• Minimize operational risk by building guardrails to prevent bad states like double-spend or duplicate webhook processing.
• Own and evolve a multi-service monorepo spanning an event-driven pipeline, a payments API, balance healthchecks, and regulatory reporting jobs.
• Make architecture-level decisions on securely and reliably handling billions of dollars in state-funded educational payments, including fraud and credit risk controls.

Requirements

• Obsessive about correctness, understanding that small errors can lead to significant issues.
• Builds systems that remain predictable even when external factors like banks or APIs are unreliable.
• Craves ownership and wants to be the trusted individual responsible for money movement.
• Possesses a high-auditability mindset, willing to trace transactions through all system layers.
• Able to work in-person with the team in San Francisco, CA.
• Experience with Lithic, Column, LoanPro, Stripe Issuing, or comparable card and banking infrastructure is a strong plus.

Skills

• Card issuing
• Disbursements
• Reconciliation
• Regulatory reporting
• Ledger management
• Transaction lifecycle management
• Idempotency
• Retries
• Deterministic replay
• Banking-rail integrations
• Operational risk mitigation
• Payment Systems Architecture
• Event-driven pipeline
• Payments API
• Balance healthchecks
• Fraud controls
• Credit risk controls

Location

• San Francisco, CA
• Phoenix, AZ

Work Type

• In-Office
• In-person

Experience Level

• Commensurate with experience

Salary/Compensations

• $125,000 – $175,000 per year

Benefits

• Competitive Salary
• Generous Founding Equity
• Relocation Support
• Comprehensive Visa Sponsorship

About the Company

• A high-growth Series A fintech startup that has raised $16M from top-tier VCs and angels.
• Building the financial rails to help families access new State education funds (ESAs or School Choice Funds).
• The company is focused on enabling parents to control their portion of the $900B US Public Education budget, averaging $7.5k per kid per year.
• The company treats this mission as their life's work and has rejected acquisition offers to ensure it is done correctly.
• The founders are engineers who have run their own alternative school.
• The founding team includes individuals with experience from Goldman Sachs, SpaceX, MILA, Mercury, Stripe, Circle, Microsoft, and the Arizona ESA department.