Staff Software Engineer, Bank

About the role

Shape a brighter financial future with us. Together with our members, we're changing the way people think about and interact with personal finance. We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. SoFi is launching a brand-new commercial banking product - and we need a Staff Software Engineer to be its technical backbone. Commercial Banking is SoFi's entry into institutional commercial banking. We're building the infrastructure that lets large institutional clients in crypto, fintech, and enterprise finance manage their money at SoFi - real-time payments, multi-account treasury management, and a closed-loop settlement network that operates 24/7/365. The systems you design will handle real institutional money from day one. The network you help architect - SEN (SoFi Exchange Network) - could become the default settlement rail for the industry. As the Senior Staff Engineer on the Commercial Banking team , you'll be the technical leader the team looks to for the hardest problems - system design, API contracts, payment correctness, performance, and reliability. You'll set the technical bar, make architectural decisions that stick, and write the code that proves them out. This is a hands-on role: you'll be deep in the codebase while also shaping the direction for the engineers around you.

Responsibilities

• Architect and Build
• Own the technical architecture for Commercial Banking's core systems - payment orchestration, client onboarding workflows, API Gateway, real-time settlement, and the services that power the client-facing experience.
• Design and implement the SoFi Exchange Network (SEN) - a real-time, 24/7/365 closed-loop payment network enabling instant settlement between SoFi commercial clients.
• Build the client onboarding orchestrator: a stateful workflow engine that provisions entities, bank accounts, entitlements, payment rails, limits, and pricing - with retry, rollback, and idempotency guarantees.
• Design enterprise-grade identity, RBAC, and maker/checker approval systems that support complex organizational structures with scoped account access, per-rail permissions, and configurable payment limits.
• Define API contracts that institutional clients will integrate against - getting the abstractions, error models, and versioning right from day one.
• Architect a sandbox environment that realistically simulates every payment rail, enabling clients to build and test their integrations with confidence.
• Set the Technical Standard
• Establish system design patterns, coding standards, and engineering best practices for the Commercial Banking codebase.
• Drive technical decisions on data modeling, service boundaries, consistency guarantees, and failure handling across payment workflows where correctness is non-negotiable.
• Own observability strategy - structured logging, distributed tracing, alerting, and dashboards that give the team confidence in production.
• Lead technical design reviews and code reviews. Raise the quality bar and make it stick through example, not just feedback.
• Identify and address technical debt proactively - knowing when to take shortcuts for speed and when to invest in the right long-term solution.
• Lead Through Influence
• Be the go-to technical leader on the team - the person engineers come to when they're stuck on a design problem, a performance issue, or a tricky integration.
• Mentor engineers at all levels. Help senior engineers grow toward staff-level thinking; help mid-level engineers develop stronger system design instincts.
• Partner with engineering management to shape the technical roadmap, estimate complexity, and sequence work for maximum impact.
• Drive cross-team technical alignment with other engineering teams at SoFi - working across identity, entitlements, accounts, payments, and core banking systems to ensure clean integration points.
• Represent the team's technical perspective in discussions with Product, Compliance, Risk, and Operations - translating business requirements into sound engineering decisions.
• Make It Production-Ready
• Design systems that handle real money with the reliability and correctness that institutional clients demand - every transaction must be accounted for, every failure mode handled.
• Build for scale from day one - systems that work for early clients but are architected to support hundreds without rework.
• Own the technical side of client go-live: integration health checks, performance validation, monitoring readiness, and production cutover.
• Drive incident resp

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