Senior Backend Engineer – Transaction Processing

ether.fi

. Own core backend services for the card program, including authorization, clearing, refunds, and dispute flows .

Posted 11/9/2026full-timeUnited StatesSenior💰 $170,000 - $200,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in backend engineering with a focus on card program services, including transaction processing and dispute resolution. Proficient in leveraging AI tools for operational automation and product delivery improvements.

Highest-signal resume keywords

Backend EngineeringCard Program ExperienceAI Tools UtilizationProduct MindsetSoftware Design Fundamentals

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Backend EngineeringSoftware DesignProblem SolvingTransaction ProcessingAuthorization HandlingDispute ResolutionCI/CDObservabilityMonitoring

Soft Skills

DriveWillingness to Go the Extra Mile

Tools & Technologies

AI ToolsOperational Automation

Industry Keywords

FintechCard Program ManagementTransaction Data Analysis

About the role

Key responsibilities & impact

Own core backend services for the card program, including authorization, clearing, refunds, and dispute flows
Reduce user friction from card declines by analyzing transaction data, working with issuing partners, and shipping fixes
Make product decisions alongside design and operations
Track outcomes after product launches
Use AI tools and agents for coding, investigation, data analysis, and operational automation
Improve infrastructure, CI/CD, observability, and monitoring
Work on core parts of the card program and services around transaction processing, authorization, decline handling, and disputes

Requirements

What you’ll need

5+ years of professional backend engineering experience
Strong fundamentals in software design and problem solving
Experience building or operating a card program on the issuing side, processor side, or as a fintech running cards through a program manager
Product mindset and ability to turn vague problems into scoped plans
Heavy use of AI tools and agents, with examples of impact on delivery volume or speed
Experience shipping products used by thousands of real users
Drive and willingness to go the extra mile

Benefits

Comp & perks

Performance-based incentives
Token allocation grant
Health, dental, and vision insurance plans
Opportunity for travel and working out of the company’s three offices around the world
4 weeks work from anywhere
Company events and team-building off-sites
Relocation costs covered anywhere
Work authorization for Grand Cayman