MLabs
Backend Engineer - High-Throughput FinTech/Crypto Infrastructure
Location:
New York City (Office)
Compensation:
$250K - $300K
We are a high‑growth software company contributing to one of the world's largest crypto social networks, moving fast and redefining what is possible in the FinTech and crypto space. We are seeking an elite Backend Engineer to design and scale the complex systems powering seamless fiat‑to‑crypto flows, real‑time risk decisions, and rock‑solid financial records for a 24/7 system.
You will own mission‑critical systems and services at the core of our platform, working on high‑throughput, low‑latency distributed systems. This role requires deep technical expertise at the intersection of payments, compliance, risk, and on‑chain infrastructure.
Key Responsibilities
Payments & Orchestration: Own payment orchestration for bank rails (ACH, RTP, FedNow, SEPA) and cards (Apple Pay, Google Pay), building idempotent, fault‑tolerant APIs and webhook processing
Risk Engine: Build a real‑time risk engine ( Compliance Infrastructure: Implement KYC/AML primitives (CIP/CDD, Travel Rule data) and ship a double‑entry ledger and reconciliation system for audit‑ready journaling and daily break detection
Integration: Integrate third‑party providers (Plaid, Stripe, Adyen, Chainalysis, TRM, etc.) behind clean, reliable interfaces
Crypto Delivery: Deliver crypto safely and fast (e.g., USDC/SOL), managing hot‑wallet flow, transaction creation, confirmations, and operational safeguards
Reliability & Monitoring: Raise the bar on reliability (SLOs, circuit breakers, canary releases), instrument everything with traces/metrics/logs, and participate in on‑call for 24/7 system coverage
Requirements
Domain Expertise: Experienced Onramp specialist with a track record building fiat‑to‑crypto ramps end‑to‑end
Systems Expertise: Backend expert in high‑throughput, low‑latency distributed systems, payments, or fintech risk
Programming Fluency: Fluent in Rust, Go, or TypeScript/Node/Python with strong systems skills
Database Expert: Deep in Postgres (transactions, indexing, locking); familiar with Redis and event/OLAP stores (Kafka/Redpanda, ClickHouse)
API Craftsmanship: API craftsman skilled in gRPC/REST best practices, idempotency, versioning, and webhook consumers
Architecture: Event‑driven thinker who designs systems with queues, outbox/inbox, and exactly‑once‑effective behavior
Security: Security-minded with knowledge of key management, HSM/KMS, and secrets hygiene
Mindset: Ownership‑driven, comfortable with ambiguity, and thrives on rapid iteration
Location: New York, NY (Full‑Time, In‑Person) – this is not a remote position
Preferred Experience (Signal Boosters)
Payments: ACH/NACHA returns, chargebacks, 3DS/SCA, or Apple/Google Pay
Open Banking: Experience with Plaid, TrueLayer, or Tink for account auth & bank‑transfer initiation
Risk/Fraud: Experience with rule engines, device fingerprinting, or dispute workflows
Compliance: Sanctions/PEP screening, Travel Rule networks, or SAR/STR integration
Infra: AWS, Terraform, Docker/Kubernetes, OpenTelemetry, Prometheus, Grafana
Benefits
Compensation: Competitive Base Salary ($250K - $300K) + Equity/Tokens (significant upside)
Culture: High‑talent density culture that values speed over perfection and ownership over bureaucracy—everyone makes big decisions
Health: Overpowered medical, dental, and vision plans
Impact: Opportunity to build something game‑changing at the cutting edge of crypto and financial infrastructure
Location: Work in our dynamic office environment in New York, NY
Commitment to Equality and Accessibility:
At MLabs, we are committed to offer equal opportunities to all candidates. We ensure no discrimination, accessible job adverts, and providing information in accessible formats. Our goal is to foster a diverse, inclusive workplace with equal opportunities for all. If you need any reasonable adjustments during any part of the hiring process or you would like to see the job‑advert in an accessible format please let us know at the earliest opportunity by emailing human-resources@mlabs.city.
MLabs Ltd collects and processes the personal information you provide such as your contact details, work history, resume, and other relevant data for recruitment purposes only. This information is managed securely in accordance with MLabs Ltd's Privacy Policy and Information Security Policy, and in compliance with applicable data protection laws. Your data may be shared only with clients and trusted partners where necessary for recruitment purposes. You may request the deletion of your data or withdraw your consent at any time by contacting legal@mlabs.city.
Due to the high volume of applications we anticipate, we regret that we are unable to provide individual feedback to all candidates. If you do not hear back from us within 4 weeks of your application, please assume that you have not been successful on this occasion. We genuinely appreciate your interest and wish you the best in your job search.
#J-18808-Ljbffr
New York City (Office)
Compensation:
$250K - $300K
We are a high‑growth software company contributing to one of the world's largest crypto social networks, moving fast and redefining what is possible in the FinTech and crypto space. We are seeking an elite Backend Engineer to design and scale the complex systems powering seamless fiat‑to‑crypto flows, real‑time risk decisions, and rock‑solid financial records for a 24/7 system.
You will own mission‑critical systems and services at the core of our platform, working on high‑throughput, low‑latency distributed systems. This role requires deep technical expertise at the intersection of payments, compliance, risk, and on‑chain infrastructure.
Key Responsibilities
Payments & Orchestration: Own payment orchestration for bank rails (ACH, RTP, FedNow, SEPA) and cards (Apple Pay, Google Pay), building idempotent, fault‑tolerant APIs and webhook processing
Risk Engine: Build a real‑time risk engine ( Compliance Infrastructure: Implement KYC/AML primitives (CIP/CDD, Travel Rule data) and ship a double‑entry ledger and reconciliation system for audit‑ready journaling and daily break detection
Integration: Integrate third‑party providers (Plaid, Stripe, Adyen, Chainalysis, TRM, etc.) behind clean, reliable interfaces
Crypto Delivery: Deliver crypto safely and fast (e.g., USDC/SOL), managing hot‑wallet flow, transaction creation, confirmations, and operational safeguards
Reliability & Monitoring: Raise the bar on reliability (SLOs, circuit breakers, canary releases), instrument everything with traces/metrics/logs, and participate in on‑call for 24/7 system coverage
Requirements
Domain Expertise: Experienced Onramp specialist with a track record building fiat‑to‑crypto ramps end‑to‑end
Systems Expertise: Backend expert in high‑throughput, low‑latency distributed systems, payments, or fintech risk
Programming Fluency: Fluent in Rust, Go, or TypeScript/Node/Python with strong systems skills
Database Expert: Deep in Postgres (transactions, indexing, locking); familiar with Redis and event/OLAP stores (Kafka/Redpanda, ClickHouse)
API Craftsmanship: API craftsman skilled in gRPC/REST best practices, idempotency, versioning, and webhook consumers
Architecture: Event‑driven thinker who designs systems with queues, outbox/inbox, and exactly‑once‑effective behavior
Security: Security-minded with knowledge of key management, HSM/KMS, and secrets hygiene
Mindset: Ownership‑driven, comfortable with ambiguity, and thrives on rapid iteration
Location: New York, NY (Full‑Time, In‑Person) – this is not a remote position
Preferred Experience (Signal Boosters)
Payments: ACH/NACHA returns, chargebacks, 3DS/SCA, or Apple/Google Pay
Open Banking: Experience with Plaid, TrueLayer, or Tink for account auth & bank‑transfer initiation
Risk/Fraud: Experience with rule engines, device fingerprinting, or dispute workflows
Compliance: Sanctions/PEP screening, Travel Rule networks, or SAR/STR integration
Infra: AWS, Terraform, Docker/Kubernetes, OpenTelemetry, Prometheus, Grafana
Benefits
Compensation: Competitive Base Salary ($250K - $300K) + Equity/Tokens (significant upside)
Culture: High‑talent density culture that values speed over perfection and ownership over bureaucracy—everyone makes big decisions
Health: Overpowered medical, dental, and vision plans
Impact: Opportunity to build something game‑changing at the cutting edge of crypto and financial infrastructure
Location: Work in our dynamic office environment in New York, NY
Commitment to Equality and Accessibility:
At MLabs, we are committed to offer equal opportunities to all candidates. We ensure no discrimination, accessible job adverts, and providing information in accessible formats. Our goal is to foster a diverse, inclusive workplace with equal opportunities for all. If you need any reasonable adjustments during any part of the hiring process or you would like to see the job‑advert in an accessible format please let us know at the earliest opportunity by emailing human-resources@mlabs.city.
MLabs Ltd collects and processes the personal information you provide such as your contact details, work history, resume, and other relevant data for recruitment purposes only. This information is managed securely in accordance with MLabs Ltd's Privacy Policy and Information Security Policy, and in compliance with applicable data protection laws. Your data may be shared only with clients and trusted partners where necessary for recruitment purposes. You may request the deletion of your data or withdraw your consent at any time by contacting legal@mlabs.city.
Due to the high volume of applications we anticipate, we regret that we are unable to provide individual feedback to all candidates. If you do not hear back from us within 4 weeks of your application, please assume that you have not been successful on this occasion. We genuinely appreciate your interest and wish you the best in your job search.
#J-18808-Ljbffr