Job Description
Cybercrime is rising, reaching record highs in 2024. According to the FBI's IC3 report, total losses exceeded $16 billion. With investment fraud and BEC scams at the forefront, the message is clear: the real estate sector remains a lucrative target for cybercriminals. At CertifID, we take this threat seriously and provide a secure platform that verifies the identities of parties involved in transactions, authenticates wire transfer instructions, and detects potential fraud attempts. Our technology is designed to mitigate risks and ensure that every transaction is conducted with confidence and peace of mind. We know we couldn’t take on this challenge without our incredible team. We have been recognized as one of the Best Startups to Work for in Austin, made the Inc. 5000 list, and won Best Culture by Purpose Jobs three years in a row. We are guided by our core values and our vision of a world without wire fraud. We offer a dynamic work environment where you can contribute to meaningful impact and be part of a team dedicated to enhancing security and fighting fraud. Cybercrime is rising, reaching record highs in 2024. According to the FBI's IC3 report total losses exceeded $16 billion. With investment fraud and BEC scams at the forefront, the message is clear: the real estate sector remains a lucrative target for cybercriminals. At CertifID, we take this threat seriously and provide a secure platform that verifies the identities of parties involved in transactions, authenticates wire transfer instructions, and detects potential fraud attempts. Our technology is designed to mitigate risks and ensure that every transaction is conducted with confidence and peace of mind. We know we couldn’t take on this challenge without our incredible team. We have been recognized as one of the Best Startups to Work for in Austin, made the Inc. 5000 list, and won Best Culture by Purpose Jobs two years in a row. We are guided by our core values and our vision of a world without wire fraud. We offer a dynamic work environment where you can contribute to meaningful impact and be part of a team dedicated to enhancing security and fighting fraud. Our payments volume is growing faster than our architecture was designed for. We're adding rails (FedNow went live this year, RTP volume is climbing, same-day ACH is no longer the exception), adding sponsor bank partners, and adding product surfaces that move money in ways we didn't move it 18 months ago. The next 24 months require a redesign of our ledger, a durable abstraction over our banking partners, and a first-class compliance engineering layer that scales with the business. We're hiring a Senior Software Engineer to lead that work. This is the senior-most IC seat in the payments domain and the person who will set the technical direction for how money moves through CertifID for the next three years. The Problems You'll Lead Specific, near-term, on the roadmap: Ledger redesign. Our current ledger was built for single-rail, single-partner, single-currency U.S. flows. You'll 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. Bank partner abstraction. We're moving from one sponsor bank to multiple. You'll 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. Real-time risk in the settlement path. You'll 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. Reconciliation as a service. Move us from nightly batch reconciliation to continuously-executing reconciliation against partner statements, with automated break detection, classification, and resolution workflows. Exactly-once disbursements. 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. What You'll Own Payments architecture. The platform that originates, settles, reconciles, and recovers funds across ACH (standard and same-day), RTP, FedNow, domestic wire, international wire, and check. The ledger. The state machines. The idempotency guarantees. The reconciliation layer Rail expertise. You are the engineer in the room who knows what an R01 versus R10 return means, how RTP's request-for-payment flow differs from FedNow's liquidity management, why NACHA's risk management rules shape retry logic, how ISO 20022 messaging affects schema des