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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. This role owns how money physically moves at Alt: the providers, the rails, the orchestration layer that routes between them, and the risk posture that keeps a marketplace of high-value transactions safe. The ledger team owns the record; you own everything that happens between a customer's bank and that record. You are not building a checkout flow; you are building the liquidity that makes this marketplace work. The key performance indicators are 99.99% reliability on gateway and banking integrations, and a time-to-funds for sellers and borrowers that we measure, publish, and beat every quarter. In payments, 'mostly working' is a failure.
Responsibilities
- Own rails and money movement, including ACH origination and returns, RTP and other instant rails, wires, cards, and stablecoin settlement.
- Design for both $300K wire and $300 ACH debit transactions with appropriate controls.
- Own the product consequences of credit-push rails, including auto-charge timing and fund finality.
- Develop provider architecture and orchestration, including multi-PSP integrations and a single orchestration layer that routes movements by cost, speed, and health.
- Implement webhook handling, idempotency, retry semantics, state machines, failure mode handling, and provider failover.
- Manage payouts and collections, ensuring sellers and borrowers receive funds faster than competitors.
- Oversee instant payout options, batch payouts at auction close, and the associated rail and timing choices.
- Manage cash advance disbursement and scheduled auto-pay batches for repayments.
- Manage risk on high-value flows, including fraud, dispute, and chargeback posture for high-value transactions.
- Implement holds, limits, and settlement windows based on data, considering conversion costs.
- Develop step-up verification triggered by risk signals rather than blanket friction.
- Own payment operations, including troubleshooting stuck transfers, unfamiliar return codes, and provider issues.
- Develop tooling for operations and support to answer customer inquiries about fund status without engineering intervention.
- Provide clean, complete processor data to the ledger team for reconciliation.
- Build against and push on the posting contract for the ledger team, ensuring exactly-once delivery.
- Make trade-off calls between shipping speed and reliability, and between building custom solutions versus buying orchestration platforms.
- Act as a multiplier 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.
- Understanding of NACHA return windows and the impact of credit-push rails on product flow.
- Experience integrating more than one payment provider in production and managing provider failures.
- Experience handling large transactions where failure has immediate, significant financial consequences.
- Proficiency with API concepts: webhooks, idempotency, eventual consistency, and exactly-once delivery.
- Strong SQL and relational design skills, capable of writing transactions that perform under load.
- Experience with marketplace or two-sided flow, including settlement and timing tensions.
- Obsession with reliability, including deep thinking about idempotency, race conditions, and retry logic.
- Product-owner mindset, understanding fund flows and clear user communication of financial status.
- Pragmatism in choosing between custom solutions and third-party leverage.
- Direct experience with Stripe, Plaid, Airwallex, PayPal, Modern Treasury, or Increase is strongly preferred.
- Experience evaluating or building a payment orchestration layer across multiple providers is strongly preferred.
- Hands-on experience with risk tooling like Sardine, Sift, or Stripe Radar is a strong plus.
- Familiarity with React and TypeScript to ship payment-method and payout surfaces is a strong plus.
- Experience with distributed systems, stablecoin or on-chain settlement, KYC/KYB, bank partnerships, or bank-sponsor programs is a bonus.
- Interest in the alternative asset space or experience as a collector is a bonus.
Skills
- Python
- Postgres
- AWS
- ACH origination and returns
- RTP
- FedNow
- Wires
- Payment provider integration
- API integration
- Webhooks
- Idempotency
- Eventual consistency
- Exactly-once delivery
- SQL
- Relational design
- Marketplace systems
- Two-sided flows
- Reliability engineering
- Product management
- Stripe
- Plaid
- Airwallex
- PayPal
- Modern Treasury
- Increase
- Payment orchestration
- Risk tooling
- Sardine
- Sift
- Stripe Radar
- React
- TypeScript
- Distributed systems
- Stablecoin settlement
- On-chain settlement
- KYC/KYB
- Bank partnerships
- Bank-sponsor programs
Location
- Remote-first
Work Type
- Full-time
- Remote
Experience Level
- 5+ years
Benefits
- 85% coverage for medical, dental, and vision insurance
- Up to 50% coverage for dependents' insurance
- HSA/FSA available
- Generous PTO
- Parental leave at full salary
- $200/month wellness stipend
- $100/month home office stipend
- Free DoorDash Pass membership
- WeWork access
- 401(k)
- Alt Equity
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.
- Our next frontier is real-time pricing at scale—the Alt Value that powers every trade, loan, and product on the platform.