Staff Software Engineer Crypto & Commercial Banking

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Who we are:

The Role

SoFi is seeking a Staff Software Engineer to join a high-impact team at the intersection of traditional finance and the future of digital assets. We are building the next generation of institutional infrastructure bridging the gap between our brand-new Commercial Banking suite and our re-entry into the Crypto space.

On this team you will be architecting the foundation for SEN (SoFi Exchange Network)a 24/7/365 closed-loop settlement network designed to serve large institutional clients in crypto fintech and enterprise finance. You will be in the middle of it all: implementing real-time payment rails multi-account treasury management and secure crypto custody solutions.

The ideal candidate is both a visionary architect and a hands-on builder. At SoFi we pride ourselves on the collaboration between Product Design and Engineering. You will be involved in the entire product lifecyclefrom ideation and shaping a new business line to deploying scalable services that handle institutional money from day one.

What Youll Do

• Architect & Build: Lead the development of highly available scalable services for institutional banking and crypto investing transfers and settlement.

• Bridge Ecosystems: Work on the infrastructure that allows institutional clients to manage fiat and digital assets seamlessly within the SoFi ecosystem.

• Collaborate: Partner closely with Product and Business stakeholders to gather requirements and design solutions that align with both technical constraints and aggressive project timelines.

• Lead & Mentor: Shape the technical culture conduct design reviews and mentor other engineers to help grow this brand-new business unit.

• Drive Innovation: Generate ideas for new initiatives leveraging SoFis banking charter to create industry-leading settlement rails.

• Own the Lifecycle: Manage projects from inception through deployment ensuring the health security and performance of the codebase.

What Youll Need

• Education: Bachelors degree in Computer Science or a related technical field.

• Experience: 8 years of programming experience ideally on a modern stack.

• Technical Proficiency: Our core stack is Kotlin / Spring / Elixir / PostgreSQL. You dont need to be an expert in all of them but you should have 6 years in similar technologies and a deep understanding of relational databases.

• Execution Mindset: A strong sense of ownership and a drive for delivery. We value shipping impactful features over polishing perfect code in a vacuum.

• Collaborative Spirit: Experience working in a modern dev environment (Git PR workflows) and a willingness to roll up your sleeves to get the job done.

• Problem Solving: An affinity for solving complex distributed systems problems particularly those involving high-stakes financial transactions.

Nice to Haves

• Crypto Expertise: Understanding of blockchain fundamentals distributed ledger technology (DLT) and hands-on experience with digital assets (Bitcoin Ethereum Stablecoins).

• Institutional Finance: Familiarity with commercial banking operations including custody settlement clearing and treasury management.

• Domain Knowledge: Awareness of crypto-specific regulatory environments (SEC CFTC MiCA) and experience with infrastructure providers like Fireblocks Zero Hash or Anchorage.

• Network Effects: Experience building or integrating with real-time payment networks (RTW FedNow) or exchange settlement networks.

• Security: Comfort with cryptographic concepts such as wallets key management and digital signatures.