BillGO
This range is provided by BillGO. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.
Base pay range $145,000.00/yr - $175,000.00/yr
Additional compensation types Annual Bonus
Direct message the job poster from BillGO
POSITION SUMMARY The Software Engineer designs and builds infrastructure and applications for BillGO’s products. The Software Engineer’s duties include designing features and functionality that can be implemented securely and reliably with a focus on performance at scale. This role will be collaborating internally with teammates and other teams as well as externally with third party vendors through a variety of transmission protocols. This role will be fully responsible for code through design, implementation, maintenance, and monitoring.
About the Role As our Issuing Engineer, you will:
Design, build, and maintain the core systems behind our virtual card issuing platform
Integrate AI-powered services for fraud detection, anomaly monitoring, and transaction insights
Build APIs and services that power card creation, spend controls, tokenization, and reconciliations
Collaborate with Product, Risk, and AI/ML teams to develop machine learning–driven authorization rules and customer‑facing analytics
Work closely with network partners (Visa, Mastercard) and issuing processors to ensure secure, compliant, and performant issuing flows
Act as a subject matter expert on issuing technology and AI‑driven enhancements
What You’ll Do
Lead technical development of issuing features: card lifecycle management, spend controls, tokenization, and real‑time transaction processing
Own integrations with card networks and issuing processors (Marqeta, Galileo, Lithic, or direct to network)
Build resilient, observable systems that handle real‑time authorization events and sensitive payment data
Implement real‑time AI‑based fraud detection pipelines that learn from transaction patterns
Integrate LLM‑powered support and operations tooling for internal teams (e.g., automated dispute summaries, transaction anomaly explanations)
Build AI‑driven customer dashboards showing spend patterns, merchant risk profiles, and cost optimization recommendations
Participate in architecture reviews, incident response, and production hardening
Monitor and optimize system performance and cost‑efficiency as the platform scales
Stay current on card network updates, fraud trends, AI advancements, and regulatory shifts
Qualifications
Have strong experience with backend engineering experience, ideally in FinTech or Payments
Have 2+ years working directly on card issuing, processing, or payment systems
Are comfortable with card networks, BIN sponsors, issuing processors
Understand authorization flows, ISO8583, PCI‑DSS, and tokenization
Are fluent in backend development (Node.js, Python, Go, or Java) and distributed system design
Have hands‑on experience integrating AI/ML models into production systems
Can design secure, auditable, and highly‑available services
Are product‑minded and love influencing roadmaps with data‑driven and AI‑enabled insights
Thrive in startup environments with evolving needs
Nice to have
Experience with Marqeta, Galileo, Lithic, or other issuing platforms
Experience with fraud detection models, merchant categorization ML, or real‑time anomaly detection
Familiar with vector databases and LLM orchestration frameworks (LangChain, Semantic Kernel, etc.)
Built customer‑facing AI features such as transaction categorization, forecasting, or spend optimization
Exposure to PCI‑DSS, SOC 2, KYC/AML, and compliance‑heavy environments
Seniority level
Mid‑Senior level
Employment type
Full‑time
Job function
Engineering, Information Technology, and Finance
Software Development and Banking
Benefits
Medical insurance
Vision insurance
401(k)
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Base pay range $145,000.00/yr - $175,000.00/yr
Additional compensation types Annual Bonus
Direct message the job poster from BillGO
POSITION SUMMARY The Software Engineer designs and builds infrastructure and applications for BillGO’s products. The Software Engineer’s duties include designing features and functionality that can be implemented securely and reliably with a focus on performance at scale. This role will be collaborating internally with teammates and other teams as well as externally with third party vendors through a variety of transmission protocols. This role will be fully responsible for code through design, implementation, maintenance, and monitoring.
About the Role As our Issuing Engineer, you will:
Design, build, and maintain the core systems behind our virtual card issuing platform
Integrate AI-powered services for fraud detection, anomaly monitoring, and transaction insights
Build APIs and services that power card creation, spend controls, tokenization, and reconciliations
Collaborate with Product, Risk, and AI/ML teams to develop machine learning–driven authorization rules and customer‑facing analytics
Work closely with network partners (Visa, Mastercard) and issuing processors to ensure secure, compliant, and performant issuing flows
Act as a subject matter expert on issuing technology and AI‑driven enhancements
What You’ll Do
Lead technical development of issuing features: card lifecycle management, spend controls, tokenization, and real‑time transaction processing
Own integrations with card networks and issuing processors (Marqeta, Galileo, Lithic, or direct to network)
Build resilient, observable systems that handle real‑time authorization events and sensitive payment data
Implement real‑time AI‑based fraud detection pipelines that learn from transaction patterns
Integrate LLM‑powered support and operations tooling for internal teams (e.g., automated dispute summaries, transaction anomaly explanations)
Build AI‑driven customer dashboards showing spend patterns, merchant risk profiles, and cost optimization recommendations
Participate in architecture reviews, incident response, and production hardening
Monitor and optimize system performance and cost‑efficiency as the platform scales
Stay current on card network updates, fraud trends, AI advancements, and regulatory shifts
Qualifications
Have strong experience with backend engineering experience, ideally in FinTech or Payments
Have 2+ years working directly on card issuing, processing, or payment systems
Are comfortable with card networks, BIN sponsors, issuing processors
Understand authorization flows, ISO8583, PCI‑DSS, and tokenization
Are fluent in backend development (Node.js, Python, Go, or Java) and distributed system design
Have hands‑on experience integrating AI/ML models into production systems
Can design secure, auditable, and highly‑available services
Are product‑minded and love influencing roadmaps with data‑driven and AI‑enabled insights
Thrive in startup environments with evolving needs
Nice to have
Experience with Marqeta, Galileo, Lithic, or other issuing platforms
Experience with fraud detection models, merchant categorization ML, or real‑time anomaly detection
Familiar with vector databases and LLM orchestration frameworks (LangChain, Semantic Kernel, etc.)
Built customer‑facing AI features such as transaction categorization, forecasting, or spend optimization
Exposure to PCI‑DSS, SOC 2, KYC/AML, and compliance‑heavy environments
Seniority level
Mid‑Senior level
Employment type
Full‑time
Job function
Engineering, Information Technology, and Finance
Software Development and Banking
Benefits
Medical insurance
Vision insurance
401(k)
#J-18808-Ljbffr