Staff Software Engineer – Backend (Payments & Commerce)

Myrtle Point, Oregon, United States

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Not SpecifiedCompensation

Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, E-commerce, PaymentsIndustries

Requirements

Candidates should possess 8+ years of backend engineering experience using modern languages such as Go, Java, Kotlin, or Rust. A minimum of 2 years in a Staff+ role at a high-scale tech or fintech company is required, along with deep knowledge of payments infrastructure including tokenization, card networks, ISO 8583, and PCI. A strong background in event-driven systems, data consistency models, and system reliability is essential, as is the ability to reason through complex distributed systems and make pragmatic trade-offs. Experience with ISO, PayFac systems, network tokenization, KYC/AML, risk scoring, or financial compliance tooling are considered advantageous.

Responsibilities

The Staff Backend Engineer will design and implement backend services for payment acquisition, routing, risk evaluation, settlement, ledgering, and reconciliation. They will build distributed systems that meet stringent reliability, low-latency, and high-throughput requirements. Responsibilities include collaborating with partners like banks, PSPs, and card networks to integrate payment rails and protocols, leading backend-focused architectural reviews, and making strategic technical decisions for scalability and maintainability. The role also involves partnering with frontend, data, and infra teams to ensure end-to-end system integrity, setting engineering standards, and mentoring other backend engineers.

Skills

Backend development

Payment systems

Distributed systems

Scalability

Fault tolerance

Reliability

Low-latency

High-throughput

Architecture

API integration

Risk evaluation

Settlement

Ledgering

Reconciliation

Fintech

Bolt

Provides seamless one-click payment solutions

About Bolt

Bolt improves the online shopping experience by providing secure payment solutions for e-commerce businesses. Its main product is a one-click checkout system that simplifies the payment process for online shoppers. This system includes features like Passkey, which allows users to log in and check out using methods such as PIN, Touch ID, and Face ID, making transactions faster and more secure. Bolt differentiates itself from competitors by guaranteeing a 20% increase in conversion rates for merchants, or they offer a money-back guarantee, showcasing their confidence in their technology. The goal of Bolt is to help online retailers enhance customer satisfaction and boost sales through a seamless checkout experience.

San Francisco, CaliforniaHeadquarters

2014Year Founded

$936.7MTotal Funding

SERIES_ECompany Stage

Consumer Software, FintechIndustries

501-1,000Employees

Benefits

Comprehensive health coverage: Medical, dental & vision

Remote-first workplace

4 day work weeks

Time away: Flexible PTO, paid holidays + floating holidays and your birthday off

Equity Early Exercise Program

Paid parental leave

Phone, Utilities, and Wellness stipends

Competitive Pay

Retirement plans

Virtual and in-person team & company events

Risks

CEO departure may affect strategic direction and investor confidence.

97% share price reduction indicates potential financial instability.

Expansion into Zimbabwe may lead to operational inefficiencies.

Differentiation

Bolt offers a one-click checkout solution enhancing user experience and conversion rates.

The Passkey feature uses biometric authentication, aligning with growing security trends.

Bolt's money-back guarantee attracts merchants by promising improved conversion rates.

Upsides

Partnership with Checkout.com enhances Bolt's technology and merchant adoption.

Growing Generation Z demographic values convenience, aligning with Bolt's offerings.

Performance-based pricing models support Bolt's money-back guarantee strategy.

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