Senior Backend Engineer - Onramp - Crypto

Job Description

Job Description

Career Renew is recruiting for one of its clients a Senior Backend Engineer - Onramp - Crypto - this is a fully onsite role in NYC.

What You’ll Do

As a Backend Engineer , you’ll design and scale the fintech and crypto systems powering seamless fiat ↔ crypto flows, real-time risk decisions, and rock-solid financial records.

You will :

Own payment orchestration for bank rails (ACH, RTP, FedNow, SEPA, Open Banking) and cards (Apple Pay, Google Pay) with idempotent, fault-tolerant APIs and webhook processing.

Integrate third-party providers (Plaid, TrueLayer, Tink, Stripe, Checkout.com, Adyen, Chainalysis, TRM, Travel Rule networks) behind clean, reliable interfaces.

Build a real-time risk engine (

Implement KYC / AML primitives (CIP / CDD, sanctions / PEP screening, Travel Rule data, audit-ready journaling) in close partnership with Compliance.

Ship a double-entry ledger and reconciliation system tying together processors, bank statements, and on-chain balances with daily break detection and automated remediation.

Deliver crypto to user wallets safely and fast (e.g., USDC / SOL), managing hot-wallet flow, transaction creation, confirmations, and operational safeguards.

Raise the bar on reliability — SLOs, circuit breakers, retries, DLQs, shadow traffic, and canary releases.

Instrument everything with traces, metrics, and logs. Build internal ops & compliance dashboards and participate in on-call for a 24 / 7 system.

Collaborate cross-functionally with product, mobile, compliance, risk, and finance to take features from concept to production.

Who You Are

Experienced Onramp specialist with a track record building ramps end-to-end.

Back-end expert in high-throughput, low-latency distributed systems , payments, or fintech risk.

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 craftsman — gRPC / REST best practices, versioning, pagination, authN / Z, idempotency, and webhook consumers.

Event-driven thinker — designs with queues, outbox / inbox, and exactly-once-effective behavior.

Security-minded — key management, HSM / KMS, secrets hygiene, least privilege, and auditability.

Ownership-driven, comfortable with ambiguity, and thrives on iteration.

Nice to Have (Signal Boosters)

Payments : ACH / NACHA returns, 3DS / SCA, AVS / CVV, BIN analysis, chargebacks, Apple / Google Pay.

Open Banking : Plaid, TrueLayer, Tink; account auth & bank-transfer initiation.

Risk / Fraud : rule engines, device fingerprinting, feature stores, Plaid Beacon / Signal, dispute workflows.

Compliance : sanctions / PEP screening, Travel Rule networks, SAR / STR integration.

Crypto Delivery : Solana RPCs, USDC flows, wallet ops, Chainalysis / TRM integrations.

Accounting : double-entry ledgers, reconciliation jobs, regulatory / tax reporting (1099-DA / DAC8).

Infra : AWS, Terraform, Docker / Kubernetes, CI / CD, OpenTelemetry, Prometheus, Grafana.

Tech Stack You Might Touch

Rust, Go, TypeScript / Node, Python

Postgres, Redis, ClickHouse

Kafka / Redpanda, NATS

gRPC / REST, AWS (EKS, RDS, KMS), Terraform

OpenTelemetry, Prometheus, Grafana

Plaid, TrueLayer, Tink, Stripe, Checkout.com , Adyen, Chainaylsis, TRM, Notabene / TRISA

Why Join Us

If you thrive in chaos, love ambitious problems, and want to build something game-changing, we want to hear from you.

At our core, we believe in :

Speed over perfection — ship now, iterate later.

Ownership over bureaucracy — everyone makes big decisions.

Talent density over headcount — we hire the best, no exceptions.

Building for the future — crypto moves fast, and so do we.

Compensation & Package

Base Salary + Equity / Tokens