Backend Engineer, Payments and Risk

Note: if you are an intern, new grad, staff, frontend or fullstack applicant, please do not apply using this link and visit our jobs page for those specific postings. Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About The Team The Payments organization focuses on developing products and platforms that enable users to accept payments from customers efficiently. This includes building APIs for processing payments, enabling regional, non-card payment options, and extending Stripe's capabilities to make it easy for businesses to accept in-person payments. Optimized Checkout and Link teams work to create best-in-class checkout experiences that enhance customer satisfaction and drive merchant conversion rates. The Risk Engineering team develops products that minimize financial and regulatory risks while ensuring a seamless user experience, thereby safeguarding Stripe's brand and financial stability. Sub-orgs: Link & OCS, Payments Acceptance, Risk Team Matching: Exact team matching for one of the subteams will begin during the final stages. Please note we may also consider you for different orgs based on your experience, location, etc. What you'll do We're looking for backend engineers who want to make an impact on managing money at a global scale with a passion for building ergonomic APIs. You'll play a key role in extending our balance management platform and in building out a new funds accessibility platform leveraged by enterprises and SMBs alike. Our team collaborates with many cross-functional teams — from Infrastructure to Product — at Stripe to deliver innovative solutions that address evolving user needs. Responsibilities Scope, design, build, and maintain APIs, services, and large-scale systems that reliably and efficiently handle billions of money movement requestsDebug and solve critical production issues across services and multiple levels of the stackMentor and support engineers' growthCollaborate with stakeholders across the company to build new features at large-scale, while improving internal engineering standards, tooling, and processes Who you are We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. Minimum Requirements 2–12+ years of industry software engineering experience (does not include internship or co-op experience)Strong coding skills in any programming language (we understand new languages can be learned on the job so our interview process is language agnostic)Strong collaboration skills; can work across workstreams within your team and contribute to your peers' successAbility to thrive with a high degree of autonomy and responsibility, with an entrepreneurial approach to your workInterest in working as a generalist across varying technologies and stacks to solve problems and delight both internal and external users Preferred Qualifications Experience with large-scale financial tracking systemsGood understanding and practical knowledge of cloud-based services (e.g., gRPC, GraphQL, Docker/Kubernetes, AWS, etc.) In-office expectations Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible. Pay and benefits The annual US base salary range for this role is $156,800 - $285,600. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process. Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.