Software Engineer II

About Interface.aiBanking is being reimagined—and customers expect every interaction to be easy, personal, and instant. We are building a universal banking assistant that millions of U.S. consumers can use to transact across all financial institutions and, over time, autonomously drive their financial goals. Powered by our proprietary Bank GPT platform, this assistant is positioned to displace age-old legacy systems within financial institutions and own the end-to-end CX stack, unlocking a $200B opportunity and potentially replacing multiple publicly traded companies. Ultimately, our mission is to drive financial well-being for millions of consumers. With over two-thirds of Americans living paycheck to paycheck, 50% holding less than $500 in savings, and only 17% financially literate, we aim to put financial well-being on autopilot to help solve this problem.About the roleAt interface.ai, we're moving to a one-person pod model. You take a high-level spec and own it all the way to production — architecture, build, ship. No hand-offs, no committees. AI gives you the leverage to do the work of a full team.The engineers who thrive here are the ones who've outgrown being handed a scope. If you've quietly built something significant on your own and want to do more of that, this role was designed for you.You will:Own complete product features end-to-end — from a high-level brief through architecture, implementation, and production deploymentWork in a one-person pod model, making independent decisions on design, technology choices, and trade-offsUse AI tools (Cursor, Claude, Copilot, or equivalent) as a core part of your daily workflow — not as a novelty, as a multiplierBuild and maintain backend systems and services that handle real scale — 1.5M+ AI conversations dailyCollaborate directly with the CTO and product leadership to define scope and shape what gets builtIterate fast — ship, learn, and improve without waiting for full specs or perfect informationYou have:2+ software engineering experienceStrong backend and/or systems engineering background — you've worked on technically complex, non-trivial problemsExperience with distributed systems, backend architecture, or technically complex infrastructureDemonstrated autonomy — you've built something significant mostly on your own, not just contributed to a slice of a team projectCurrently using AI tools in your development workflow — you know how to guide AI to produce what's required, not just prompt and hopeFast learner — you can pick up a new language, system, or domain and be productive quicklyExcited build a great culture and commute to either our San Francisco or Palo Alto Office 5x a weekBachelors in computer science or engineeringBonusPrior startup experienceTrack record of wearing different hatsWe value in-person time for planning, problem-solving, and connection. Team members in this role must live within commuting distance of our Palo Alto or San Francisco office hub and this is an -site role.Our ValuesAct Like You're the Founder: Own the outcome from start to finishNo Fear. Speak Your Mind: Candor moves us forwardPursuit of Excellence: Raise the bar, every timeAI-First Mindset: Think automation, intelligence, and scale-first in every solutionDon't Assume. Seek to Understand: Start with questions, not conclusionsWhat We Offer100% paid health, dental & vision care401(k) match & financial wellness perksDiscretionary PTO + paid parental leaveMental health, wellness & family benefitsA mission-driven team shaping the future of banking