Staff Software Engineer

Role Description

Benepass is building financial infrastructure that powers how companies fund, control, and deliver benefits globally. We are hiring a Senior Software Engineer to own and evolve the systems at the core of our platform:

• Ledgering
• Transaction processing
• Decisioning
• Money movement

These systems are responsible for tracking and moving real funds, enforcing complex rules, and maintaining a precise and auditable source of truth. This is not a typical backend role. You will be working on high-integrity financial systems where correctness, consistency, and reliability matter more than raw throughput — and where small mistakes can have real financial impact.

This role is ideal for engineers who have built or operated systems in payments, card issuing, wallets, banking infrastructure, or global money movement platforms and want to take end-to-end ownership of a growing fintech layer.

You will:

• Design and operate systems responsible for:
  • Ledgering (double-entry systems, balances, transaction history, reconciliation)
  • Transaction processing pipelines (authorization, capture, settlement flows)
  • Real-time decisioning (spend controls, eligibility, rules engines)
  • Money movement, including support for multi-currency and global transactions
• Build systems that are correct by design:
  • Define and always maintain invariants to ensure correctness under all operational conditions
  • Idempotent
  • Strongly consistent where required
  • Fully auditable
• Own the lifecycle of financial transactions end-to-end, including:
  • State transitions
  • Failure handling and retries
  • Reconciliation and reporting
• Integrate with external financial partners (processors, banks, networks) and handle unreliable and asynchronous dependencies
• Lead architectural decisions and write technical approach documents that clarify trade-offs and long-term implications
• Improve system resilience, observability, and operational tooling as volume and complexity grow
• Mentor other engineers and help define best practices for building financial systems

Qualifications

• Experience building or operating financial systems such as payments, card issuing, wallets, or banking infrastructure
• Deep understanding of fintech and payments ecosystems, including:
  • Card network fundamentals (e.g., ISO 8583 messaging, authorization/clearing/settlement flows)
  • Merchant acquiring and payment processor flows
  • How issuers, sponsor banks, and processor integrations work in practice
• Familiarity with real-world transaction lifecycles across the stack (network → processor → ledger)
• Experience designing or working on a ledger system, including:
  • Double-entry accounting concepts
  • Transaction lifecycles
  • Balance correctness and reconciliation
• Experience building decisioning systems in production (e.g., transaction authorization, rules engines), ideally in real-time or latency-sensitive contexts
• Experience working on systems that handle real money at scale (thousands of transactions per day or more)
• Experience with global money movement, including:
  • Multi-currency systems
  • Currency conversion or FX considerations
  • Cross-border transactions (nice to have but strongly preferred)
• Strong understanding of:
  • Data consistency and correctness
  • Idempotency and safe retries
  • Failure modes in distributed systems
• Experience integrating with external financial APIs, including handling partial failures, timeouts, and eventual consistency
• Proficiency in Python and relational databases (PostgreSQL preferred)

Requirements

• You think in systems, not endpoints
• You optimize for correctness first
• You’ve seen what goes wrong in financial systems — and you design to prevent it
• You are comfortable with complexity
• You take ownership of critical infrastructure
• You raise the bar for the team

Benefits

• Base salary of $200,000 to $240,000 + equity
• 95% coverage of medical, dental, and vision
• Fantastic benefits, including:
  • $250 WFH setup (one time)
  • $500/year Learning & Development Benefit
  • $150/month cell phone + internet
  • $100/month Wellness
  • $100/month Co-working and Commuter Benefit
• Flexible PTO