Senior Backend Engineer - Transaction

Department: Engineering

Location: New York, Cayman, Denver

Compensation: $170K – $200K • Offers Equity • Offers Bonus

Employment Type: FullTime

About us:

Ether.fi is one of the largest crypto companies in the world. We have over $10B in assets under management and a team of 30 almost all technical staff. We’ve been profitable day one and are focusing on building real consumer applications.

The future we envisage is true on-chain banking. Our current products; Stake, Liquid, and Cash enable users to earn yield in a variety of DeFi strategies, and spend their assets in the real world with our credit cards. You can view public analytics on Dune for Cash and Stake.

Position overview:

We’re looking for a senior backend engineer to own core parts of our card program: transaction processing, authorization and decline handling, disputes, and the services around them. You’ll work on a small team where engineers own problems end to end, from understanding why a user’s card was declined to shipping the fix and measuring whether it worked. Anything a neobank would build is on our roadmap.

What you’ll do:

• Own core backend services for our card program, including authorization, clearing, refunds, and dispute flows

• Reduce user friction from card declines: find root causes in transaction data, work with our issuing partners, and ship fixes

• Make product calls alongside design and ops: decide what to build, cut scope where it doesn’t serve users, and track outcomes after launch

• Use AI tools and agents as a core part of how you work, for coding, investigation, data analysis, and automating operational work

• Improve our infrastructure, CI/CD, observability, and monitoring so the team can ship safely and quickly

What we are looking for:

• 5+ years of professional backend engineering experience with 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

• A product mindset: you care about what users experience, can turn a vague problem into a scoped plan, and judge your work by its effect on users

• You already use AI heavily to get things done and can show examples where it changed how much or how fast you delivered

• You have shipped products used by thousands of real users

• Drive and willingness to go the extra mile. We are an ambitious team with audacious goals, and we work hard to reach them

Perks and benefits:

• Competitive salary, performance-based incentives, and token allocation grant

• Opportunity to work on multi-billion dollar products as part of a small team

• Health, dental, and vision insurance plans

• Global team with opportunity for travel and working out of our 3 offices around the world

• 4 weeks work from anywhere

• Exciting company events and team-building off-sites