Senior Backend Engineer - Onramp - Crypto

Job DescriptionJob DescriptionCareer 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 (<300ms) combining rules, ML scores, device signals, sanctions/KYC hits, and blockchain analytics to drive GREEN/AMBER/RED outcomes.

• 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