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About the Role

Alt is unlocking the value of alternative assets, starting with the $5B trading-card market. We let collectors buy, sell, vault, and finance their cards in one place. Our next frontier is real-time pricing at scale—the Alt Value that powers every trade, loan, and product on the platform. You will own the ledger that is Alt's system of record, the money movement that feeds it, and the reconciliation that proves the two agree. You are not building a checkout flow; you are building the liquidity that makes this marketplace work. The KPI is 99.99% reliability on gateway and banking integrations, and a ledger where every cent is accounted for and every entry states who created it and when. In payments, 'mostly working' is a failure.

Responsibilities

Own the ledger as the system of record, including entries, lines, balances, holds, reversals, and their states.
Manage Rails and money movement, including ACH origination and returns, RTP and other instant rails, wires, cards, and stablecoin settlement.
Oversee Payouts, ensuring sellers and borrowers receive their money quickly through instant payout options, batch payouts, and timely settlement.
Manage Reconciliation processes, including automated matching, an exception queue, and identifying breaks before customers do.
Design and scale lending products, including credit disbursement and the automated lifecycle of loan management.
Develop Provider architecture for multi-PSP integrations and readiness for a single orchestration layer.
Manage Risk on high-value flows, including fraud, dispute, and chargeback posture, and setting holds, limits, and settlement windows.
Make the system legible by ensuring the customer's account activity surface accurately reflects ledger data.
Make trade-off calls between shipping speed and correctness, and build custom versus buy decisions.
Act as a multiplier for the team through rigorous code reviews, technical documentation, and mentorship.

Requirements

5+ years of experience with a heavy focus on backend systems (Python, Postgres, AWS).
Experience with real money movement, including ACH origination and returns, RTP or FedNow, wires, or equivalent.
Experience with a double-entry ledger (built, migrated, or owned in production).
Experience handling large transactions where failure has significant financial consequences.
Database mastery with expert SQL and relational design.
API-native understanding of webhooks, idempotency, eventual consistency, and reconciliation.
Marketplace or two-sided flow experience.
An obsession with correctness, including deep thought about idempotency, race conditions, and data consistency.
Product-owner thinking, understanding the flow of funds and clear communication of financial status.
Pragmatism in knowing when to build custom solutions versus leveraging third parties.
Sufficient React and TypeScript to ship customer-facing surfaces that read off the ledger (strong plus).
Experience with distributed systems (bonus).
Experience with credit or risk modeling (bonus).
Direct experience with Stripe, Plaid, Airwallex, PayPal, Modern Treasury, or Increase (bonus).
Experience evaluating or implementing a third-party ledger service (Modern Treasury, Fragment, Formance, TigerBeetle or similar) (bonus).
Experience with stablecoin or on-chain settlement (bonus).
Experience with KYC/KYB, bank partnership, or SOX and audit-readiness (bonus).
Experience or interest in the alternative asset space (bonus).

Skills

Python
Postgres
AWS
ACH origination and returns
RTP
FedNow
Wires
Double-entry ledger systems
SQL
Relational design
API design
Webhooks
Idempotency
Eventual consistency
Reconciliation
React
TypeScript
Distributed systems
Credit modeling
Risk modeling
Stripe
Plaid
Airwallex
PayPal
Modern Treasury
Increase
Third-party ledger services
Stablecoin settlement
On-chain settlement
KYC/KYB
Bank partnerships
SOX compliance
Audit readiness

Location

Remote-first

Work Type

Remote-first
Full-time

Experience Level

5+ years of backend systems experience

Benefits

85% coverage of medical, dental, and vision insurance
Up to 50% coverage for dependents' insurance
HSA/FSA available
Flexible PTO
Parental leave at full salary
$200/month wellness stipend
$100/month home office stipend
Free DoorDash membership
WeWork access
401(k)
Alt Equity for all full-time employees

About the Company

Alt is unlocking the value of alternative assets, starting with the $5B trading-card market.
We let collectors buy, sell, vault, and finance their cards in one place.
We are backed by leaders at Stripe, Coinbase, Seven Seven Six, and pro athletes like Tom Brady and Giannis Antetokounmpo.