Senior Software Engineer (Backend): Fiat Integrations

About us:

BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability and more choice.

We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration.

Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen.

Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.

By combining Mastercard's global payment reach and trusted networks with BVNK's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation.

We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift.

We're incredibly honored to have been recognized by:

• CNBC World's Top Fintech Companies (2026)
• FXC Intelligence Top 100 Cross-border Payment Companies (2026)
• Newsweek's The Top 100 Global Most Loved Workplaces (three years running, most recently 2025)
• LinkedIn as one of the Top 20 Startups in the UK (2025)

Location: We offer a Hybrid/Remote working policy. 

About this role in the team:

The Fiat Orchestration subdomain sits within BVNK's Core Banking domain and is responsible for the reliable, scalable processing of fiat currency transactions across multiple banking rails and payment networks. It ensures that every fiat payment; whether an inbound deposit, outbound settlement, or cross-border transfer, is executed accurately, reconciled, and delivered on time.

Our product and engineering organisation is split into small autonomous squads empowered to own their problem space. As a Senior Software Engineer in the Fiat Orchestration squad, you'll design and build the backend systems that power the movement of fiat currency through BVNK's platform. You'll work on services that orchestrate payment instructions, interface with banking partners and payment schemes, manage transaction lifecycle states, and ensure settlement integrity at scale.

You'll be expected to form strong opinions and execute in a fast but sustainable way, advocating for the simplest solution that achieves the outcomes our customers are looking for.

Key Areas of Responsibilities:

• Design, develop, and maintain high-performance backend services that power fiat payment processing, including transaction orchestration, settlement, and reconciliation.
• Build and evolve integrations with banking partners, payment networks, and financial infrastructure to support multi-rail, multi-currency fiat operations.
• Contribute to the architecture and evolution of the fiat processing platform, ensuring reliability, fault tolerance, and data consistency across high-throughput transaction flows.
• Build and maintain APIs that manage the full transaction lifecycle — initiation, status tracking, settlement confirmation, and exception handling — consumed by teams across the platform.
• Drive improvements to system observability, performance, and resilience, including monitoring, alerting, and incident response.
• Collaborate closely with cross-functional partners including product, design, and other engineering squads to deliver high-impact features.
• Participate in code reviews, architectural discussions, and technical design sessions to uphold engineering standards.
• Contribute to the team's engineering culture by mentoring peers, sharing knowledge, and championing best practices.
• Participate in an out-of-hours on-call rotation.

What we need from you:

• Strong experience as a backend software engineer, with deep proficiency in languages such as Java, Kotlin or similar JVM-based languages.
• Experience designing, building, and operating microservices in a distributed systems environment.
• Solid understanding of relational databases (e.g., PostgreSQL) and event-driven architectures (e.g., Kafka, SQS/SNS).
• Experience with cloud platforms such as AWS, GCP, or Azure.
• Experience with containerisation and orchestration technologies including Docker and Kubernetes.
• Familiarity with infrastructure-as-code concepts and modern software delivery practices (CI/CD).
• Experience with observability and reliability tooling including logging, metrics, tracing, and performance optimisation.
• Comfortable working with Jira, Confluence, Git-based workflows, and collaborative engineering practices.
• Strong communication skills with the ability to explain technical concepts clearly to both technical and non-technical stakeholders.
• A thoughtful, practical approach to problem-solving that considers tradeoffs and avoids over-engineering.

Nice to have:

• Experience working in fintech, payments, or banking infrastructure, particularly around fiat payment processing, clearing, or settlement.
• Exposure to payment schemes, banking APIs, or multi-rail payment routing and orchestration.
• Experience with stablecoin or cryptocurrency infrastructure and fiat-to-crypto bridging.
• Understanding of domain-driven design and hexagonal architecture patterns.
• Familiarity with reconciliation systems, idempotency patterns, and handling eventual consistency in financial workflows.
• Experience working in high-growth or fast-scaling technology environments.
• Experience contributing to engineering strategy, hiring, or organisational scaling initiatives

What you can expect from us:

• Fair and competitive salary at every stage of your growth
• Flexible working hours, with hybrid working at its heart
• A culture built on passionate, growth-minded people
• A flexible approach to holiday
• Opportunities to travel to our offices around the world
• An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets

*At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. This is as you may be a great fit for this role or another role in our team.*