Cross-border Payments Developer (Senior Software Engineer)

Role: Cross-border Payments Developer (Senior Software Engineer)Location: Phoenix, AZ (Hybrid)Duration: 12 months with potential to extendVisa: AnyContract: C2C/W2 Experience Level5–10 years of professional software engineering experience3+ years delivering production-grade digital asset or blockchain-enabled financial systems in regulated environmentsRole SummaryWe are seeking a Senior Software Engineer – Digital Assets to help design, build, and operate consumer-facing digital asset capabilities within a US-regulated consumer bank. This role will focus on integrating stablecoins, tokenized deposits, and digital asset accounts into existing banking, payments, and ledger platforms, while meeting stringent regulatory, security, and resiliency requirements.The ideal candidate has hands-on experience with stablecoin ecosystems and custody providers (Coinbase, Ripple, Paxos, Fireblocks, Stablecore) and understands how to safely introduce blockchain-based value transfer into a consumer banking context.Required Technical SkillsBackend & Platform EngineeringStrong experience in one or more of:Java Node.js / TypeScriptProven experience building secure, scalable APIs and microservices.Event-driven systems using messaging platforms (Kafka, Pub/Sub, etc.).Digital Assets & BlockchainHands-on experience with:Stablecoins and tokenized money instrumentsBlockchain networks (Ethereum, XRPL, or similar)Transaction signing, fee estimation, and confirmation handlingUnderstanding of on-chain vs off-chain accounting models in regulated finance.Custody & Third-Party PlatformsDirect experience integrating with:FireblocksStablecoreCoinbase, Paxos, RippleStrong understanding of vendor risk management and third-party controls.Cloud & DevOpsCloud-native development on AWS or Azure (preferred for US banks).Containerization and orchestration: Docker, Kubernetes.CI/CD pipelines with strong security controls and separation of duties.Infrastructure as Code (Terraform, ARM, CloudFormation).Key ResponsibilitiesConsumer Digital Asset Platform EngineeringDesign and build bank-grade digital asset account capabilities supporting:Stablecoins (e.g., USDC, bank-issued or regulated stablecoins)Tokenized deposits representing on-chain claims on bank liabilitiesConsumer digital wallets integrated with existing deposit accountsImplement consumer-grade transaction flows, including:Purchase, transfer, redemption, and settlement of digital assetsReal-time balance visibility and transaction statusEnsure clear segregation of customer assets, bank assets, and omnibus accounts.Integration with Coin Providers & NetworksLead secure integrations with regulated coin providers and blockchain networks, including:Coinbase (Prime, Exchange, Wallet APIs for liquidity and execution)Ripple (XRPL-based payments and settlement use cases)Paxos (regulated stablecoin issuance, custody, and settlement)Design systems to manage:Blockchain transaction lifecycle, confirmations, and reversalsLiquidity management i.e. digital asset to Fiat currency conversion Custody, Middleware & Key ManagementIntegrate with enterprise-grade custody and orchestration platforms, including:Fireblocks (MPC wallets, policy-based approvals, transaction signing)Stablecore (digital asset orchestration, account abstraction)Implement segregated custody models aligned with consumer banking regulations.Support hot, warm, and cold wallet strategies with clear operational controls.Regulatory, Risk & Compliance AlignmentEmbed regulatory and consumer protection requirements into system design:AML/KYC enforcement and sanctions screeningTransaction monitoring and suspicious activity reporting supportAuditability and immutable transaction recordsPartner with Risk, Compliance, Legal, and Audit teams to:Meet OCC, Federal Reserve, FDIC, and state-level regulatory expectationsSupport model validation, control testing, and regulatory examsEnsure alignment with GLBA, FFIEC, and data privacy requirements.Integration with Core Banking & PaymentsIntegrate digital asset systems with:Core banking platforms (deposits, general ledger, customer profiles)Payment rails (ACH, Wire, RTP, FedNow where applicable)Design on-chain/off-chain reconciliation and end-of-day settlement processes.Ensure double-entry accounting integrity across fiat and digital asset ledgers.Architecture, Resiliency & Operations ( Preferred )Design high-availability, resilient architectures meeting consumer banking SLAs.Implement:Active-active deploymentsDisaster recovery and business continuity plansObservability, alerting, and incident response toolingParticipate in production on-call rotations and root cause analysis.Banking & Financial Domain ExpertiseStrong understanding of:Consumer deposits and account structuresGeneral ledger and sub-ledger reconciliationPayments, settlement, and liquidity managementExperience operating systems subject to:Regulatory examsAudit findings and remediationModel and control validation processesNice-to-Have QualificationsExperience launching consumer-facing digital asset products at a US bank.Familiarity with:FedNow, RTP, ACH, and Wire integrationsBank-issued stablecoins or tokenized depositsExposure to:OCC crypto interpretive lettersTravel Rule implementation in a banking contextPrior experience in cloud modernization of legacy banking systems.Soft Skills & AttributesStrong sense of engineering rigor and risk awareness.Ability to explain complex digital asset concepts to non-technical stakeholders.Comfortable navigating regulatory ambiguity with pragmatic solutions.High ownership, attention to detail, and commitment to customer trust.Career LevelSenior Software Engineer (Digital Assets)Potential growth path to Staff / Lead Engineer – Digital Assets & Payments