The Role:
- We are hiring a Senior Banking Infrastructure Architect Engineer to design and build the core financial infrastructure powering Kira.
- You will architect and implement the foundational systems that make Kira a programmable bank.
What You’ll Build:
Core Banking Ledger:
- Design and implement the system of record for money at Kira.
- You will own double-entry ledger architecture, balance correctness guarantees, idempotent posting engine, multi-currency accounting (fiat + stablecoin), reconciliation pipelines (banks, blockchains, payment networks), historical audit reconstruction, time-travel queries for compliance investigations, and high-throughput posting engine (not batch accounting).
- Your job is to ensure balances are never wrong, even during outages, retries, and partial failures.
Banking-as-a-Service Infrastructure:
- Build the orchestration layer between Kira and sponsor banks / payment rails.
- You will design account lifecycle state machines, virtual account routing, payment ingestion and normalization, settlement orchestration (ACH, Fedwire, SWIFT, RTP, local rails), webhook reliability and replay systems, provider abstraction layers (bank failover & redundancy), and operational tooling for support & compliance.
- Goal: clients should not know which bank they are using, and neither should their customers.
Proprietary AI KYT Engine:
- Build a real-time transaction monitoring and risk intelligence platform.
- You will help create behavioral risk scoring models, streaming transaction classification, entity graph relationships, adaptive monitoring rules (beyond static AML rules), alert triage automation for compliance teams, and explainable decisions for regulators and audits.
- We are not building a dashboard.
- We are building a machine that understands money flows.
Responsibilities:
- Architect financial systems with regulatory-grade correctness.
- Design ledger and reconciliation models.
- Define system invariants and failure modes.
- Lead critical technical decisions across the platform.
- Collaborate with compliance to encode regulatory logic into software.
- Build tooling for investigations and financial operations.
- Mentor engineers and set infrastructure standards.
- Write production code (this is hands-on).
Requirements:
Experience:
- 7+ years backend or distributed systems engineering.
- Experience designing financial, accounting, or payment systems.
- You have built at least one system where correctness mattered more than uptime.
- Comfortable owning architecture end-to-end.
Strongly Preferred:
- Ledger or accounting system design.
- Payment processing or banking integrations.
- Reconciliation pipelines.
- Event-driven architectures.
- High integrity data systems (immutability, auditability).
- AML / transaction monitoring exposure.
Who This Role Is For:
- You might enjoy this role if you’ve argued about ledger design before.
- You care about edge cases more than frameworks.
- You’ve written postmortems about money mismatches.
- You think most fintechs are just UI over a bank API.
- You want to build infrastructure that other fintechs depend on.
- This is not a product CRUD role.
What You’ll Get:
- Direct influence on company architecture.
- Work on real financial infrastructure, not wrappers.
- High autonomy.
- Equity aligned with long-term ownership.
- Small team, high trust environment.
How We Evaluate Candidates:
- We don’t rely on leetcode.
- We’ll ask you to design a ledger, model failure cases, explain tradeoffs, and think through real financial incidents.
- We care more about how you think than how fast you code.
Structure and Compensation:
- Remote (this will be the only role in the company that is fully remote & without travel requirements).
- Hours as needed, may include nights and weekends.
- Compensation: $65k to $100k USD.
- Equity: 0% to 1.0% (the higher the cash, the lower equity).
- $6k health stipend.
- 2 week PTO.
