Security Engineer at Modern Treasury

San Francisco, California, United States

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$180,000 – $240,000Compensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

FinTech, PaymentsIndustries

Requirements

7+ years of security engineering experience, including 2+ years in the payments industry
Hands-on expertise with AWS security services
Strong background reviewing and securing full stack application code (frontend, backend, and APIs)
Frontend security knowledge (JavaScript, modern web frameworks, browser security models)
Proficiency in secure API design, authentication and authorization, applied encryption, and PCI DSS compliance
Experience with infrastructure as code (Terraform) and CI/CD security (SAST/DAST scanning)
Payments experience, ideally including fraud prevention, NACHA rules, and risk controls in money movement systems
What Sets You Apart (Preferred)
Deep understanding of payment processing security across ACH, wires, card networks, and emerging rails
Experience building controls for fraud detection, chargeback prevention, and abuse mitigation in payments systems
Familiarity with NACHA operating rules and regulatory standards for money movement
Proven experience securing high-throughput systems (>10K TPS) and multi-tenant architectures
Knowledge of application security for Ruby on Rails, GraphQL, and containerized environments
Familiarity with SIEM tools, vulnerability scanning, and incident response procedures
Track record of balancing strong security requirements with engineering velocity
Clear communication skills to collaborate across Product, Platform, Infrastructure, and Compliance teams
Data-driven approach to prioritizing security investments and mitigating risk

Responsibilities

Strengthen the security foundation of Modern Treasury’s payments infrastructure to protect money movement at scale
Help reduce fraud, prevent abuse, and safeguard customer data as we expand into new rails and stablecoins
Shape how engineering teams build secure, compliant products without slowing down development
Design automation, monitoring, and remediation practices that keep our systems resilient and trustworthy
Influence the future of financial infrastructure by embedding strong security practices into our systems and culture

Skills

Key technologies and capabilities for this role

AWSSecurity EngineeringPayments SecurityFraud PreventionComplianceInfrastructure SecurityMonitoringAutomation

Questions & Answers

Common questions about this position

What is the salary range for the Security Engineer position?

The salary range is $180K - $240K.

Is this a remote position, or do I need to work in an office?

This is a hybrid position based in our San Francisco or New York office.

What skills and experience are required for this Security Engineer role?

Required experience includes 7+ years of security engineering with 2+ years in payments, hands-on expertise with AWS security services, strong background in reviewing and securing full stack application code, frontend security knowledge, proficiency in secure API design, authentication, encryption, PCI DSS compliance, infrastructure as code (Terraform), and CI/CD security.

What is the company culture like at Modern Treasury?

The culture emphasizes building secure, compliant products without slowing down development, embedding strong security practices into systems and culture, and keeping trust, compliance, and safety at the core while moving fast.

What makes a candidate stand out for this Security Engineer role?

Candidates stand out with deep understanding of payment processing security across ACH, wires, card networks, and emerging rails, experience building fraud detection controls, familiarity with NACHA rules, securing high-throughput multi-tenant systems, and knowledge of Ruby on Rails, GraphQL, containerized environments, and SIEM tools.

Modern Treasury

Payment operations software for enterprises

About Modern Treasury

Modern Treasury specializes in payment operations software designed to enhance the movement of money for large enterprises across various industries such as real estate, healthcare, insurance, education, and financial services. Their software streamlines payment processes by enabling faster transactions, automatic reconciliation of records, and providing real-time financial data, all supported by artificial intelligence. This allows businesses to manage their financial operations more effectively and securely. Unlike many competitors, Modern Treasury focuses on serving large clients with significant transaction volumes, offering a subscription-based software as a service (SaaS) model that ensures continuous access to updates and features. The company's goal is to modernize payment operations and improve the efficiency and security of financial transactions.

San Francisco, CaliforniaHeadquarters

2018Year Founded

$178.1MTotal Funding

SERIES_CCompany Stage

Fintech, AI & Machine LearningIndustries

51-200Employees

Benefits

Inclusive healthcare package

Unlimited PTO

Paid parental leave

$1k stipend to setup a home office

$500 yearly book stipend

Charitable donation matching

401k

Risks

Increased competition from fintech companies could erode Modern Treasury's market share.

Rapid adoption of instant payment systems may pressure Modern Treasury to innovate continuously.

AI-driven solutions expose the company to risks of biases and errors in financial data.

Differentiation

Modern Treasury automates the full cycle of money movement for large enterprises.

The company offers AI-driven reconciliation to enhance financial workflows and cash visibility.

Modern Treasury provides professional services for tailored payment infrastructure integration.

Upsides

Expansion of instant payments support with six top banks enhances customer experience.

Professional Services offering creates a new revenue stream and strengthens customer relationships.

Inclusion in the 2024 Fintech Innovation 50 list boosts its recognition and appeal.

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