Senior Software Engineer - Settlement

About Cari

The Cari Network is building a blockchain-based payment system powering real-time, 24/7 movement of digital money across the traditional finance and digital asset ecosystems. A pre-launch startup, we're creating an entirely new category of financial infrastructure that brings cash on chain through tokenization while powering the full spectrum of payments for our network - banks and most importantly, the customers they serve.

About the Role

You will own major parts of the Cari platform end to end - the management dashboards our bank partners use, the TypeScript services behind them, interbank settlement workflows, and the integrations that connect us to bank systems and third-party platforms.

This is a generalist role on a small team. You'll move across the stack, take on the highest-leverage problem each quarter, and support services running in production. You'll work closely with product, design, DevOps, and partner-facing teams to make the Cari experience fast to adopt, secure, and reliable for bank partners.

What You'll Do

• Build and evolve our bank-facing management dashboard: bank onboarding, user and role management (RBAC), transaction monitoring, settlement operations, interbank book transfer tracking, and developer tooling such as API keys and webhooks.

• Design and ship the TypeScript backend services that power those experiences - orchestration, bank, transaction, bilateral netting, and settlement APIs.

• Build and maintain integrations with bank partners and third-party platforms, including provider adapters, webhook-driven flows, and real-time event updates.

• Model and evolve the PostgreSQL schemas behind core banking entities, with the correctness and auditability of financial data demands.

• Raise the engineering bar: automated testing, CI/CD, observability, release engineering, and deployment practices in collaboration with DevOps that let a small team ship safely and often.

• Work with product and design to turn tokenization complexity into familiar banking primitives rather than crypto concepts.

• Write the documentation, integration guides, and reference implementations that let bank partners adopt Cari without hand-holding.

Qualifications

• 5+ years of experience building production software, with a focus on backend services and cloud application architecture.

• Strong expertise in TypeScript across both the front end and the back end.

• Deep experience with React, modern component architecture, state management patterns, and data-heavy workflows.

• Solid Node.js experience building REST APIs and event-driven services (we use Fastify on Node 24).

• Comfort owning a feature from schema to UI

• Experience with asynchronous workflows, webhooks, and keeping UI state in sync with backend transaction states.

• Experience building responsive, polished, high-quality user interfaces for complex workflows.

• Strong product sense and attention to usability, implementation quality, and maintainability.

• Experience with cloud application architecture, microservices, event-driven messaging (e.g., Kafka), and durable workflow orchestration (e.g., Restate).

Nice to Haves

• Hands-on experience with cloud infrastructure, containerization, and deployment orchestration (e.g., AWS, Docker, Kubernetes).

• Mature CI/CD and testing practice - GitHub Actions, node-tap on the backend and Vitest on the front end, and meaningful test coverage.

• Experience working with banking systems, fintech infrastructure, payment products, or interbank settlement mechanics.

• Familiarity with ACH, wires, RTP, FedNow, or other bank payment rails.

• Experience with observability, tracing, or audit logging in financial systems.

• Exposure to security and compliance expectations in regulated environments.

• Experience with theming, white-labeling, and multi-tenant product customization.

What We Offer

• Competitive base salary, bonus, and equity

• Full medical, vision, dental benefits

• 401(k) with company matching

• Flexible PTO in a remote-first environment

• Opportunity to shape a market-defining protocol with an experienced founding team

• Influence over architecture strategy at the earliest stage

Security Responsibilities

Applies to all Cari employees

• Comply with all Cari information security policies, including the Acceptable Use Policy, and complete required security awareness training.

• Protect the confidentiality, integrity, and availability of Cari systems and data, including bank-partner and customer information, consistent with least-privilege access principles.