Staff Software Engineer (Fintech)

About Us
At Benepass we're making benefits easy. We believe people are the most important asset to any company. Traditional one-size-fits-all benefits packages no longer cut it in today's hybrid and remote-first environment. With Benepass, companies can tailor their benefits to the unique needs of their workforce.
Through our easy-to-use and highly customizable fintech platform, People teams can implement, administer, and track the benefits that meet employees where they are. Employers design their benefits and perks plan by setting a contribution amount and eligible spend categories. Every employee has their own individual definition of wellness and needs different things to help them be their most productive, fulfilled self.

Our Mission
Helping companies reimagine how companies take care of their people.

Our Investors
We are backed by leading investors, including Centana Growth Partners, Portage Ventures, Threshold Ventures, Gradient Ventures, Workday Ventures, and Clocktower Technology Ventures. To date, the company has raised approximately $75 million in equity capital.

Articles
Founder Story - Jaclyn Chen

Benepass Raises $40M Series B

Candidate Resources
Benepass | Candidate Resource Page

Benepass Listed on Inc. Magazine's Best Workplaces of 2023

TEAM & ROLE
Benepass is building financial infrastructure that powers how companies fund, control, and deliver benefits globally. We are hiring a Senior Software Engineer to own and evolve the systems at the core of our platform: ledgering, transaction processing, decisioning, and money movement. These systems are responsible for tracking and moving real funds, enforcing complex rules, and maintaining a precise and auditable source of truth.

This is not a typical backend role. You will be working on high-integrity financial systems where correctness, consistency, and reliability matter more than raw throughput — and where small mistakes can have real financial impact. This role is ideal for engineers who have built or operated systems in payments, card issuing, wallets, banking infrastructure, or global money movement platforms, and want to take end-to-end ownership of a growing fintech layer.

You will
Design and operate systems responsible for:
Ledgering (double-entry systems, balances, transaction history, reconciliation)

Transaction processing pipelines (authorization, capture, settlement flows)

Real-time decisioning (spend controls, eligibility, rules engines)

Money movement, including support for multi-currency and global transactions

Build systems that are correct by design:
Define and always maintain invariants to ensure correctness under all operational conditions

Idempotent

Strongly consistent where required

Fully auditable

Own the lifecycle of financial transactions end-to-end, including:
State transitions

Failure handling and retries

Reconciliation and reporting

Integrate with external financial partners (processors, banks, networks) and handle unreliable and asynchronous dependencies

Lead architectural decisions and write technical approach documents that clarify trade-offs and long-term implications

Improve system resilience, observability, and operational tooling as volume and complexity grow

Mentor other engineers and help define best practices for building financial systems

OUR TECHNOLOGY AND STACK
Python, Django, Django Rest Framework, PostgreSQL, AWS, Docker, React, TypeScript

REQUIREMENTS
Experience building or operating financial systems such as payments, card issuing, wallets, or banking infrastructure

Deep understanding of fintech and payments ecosystems, including:
Card network fundamentals (e.g., ISO 8583 messaging, authorization/clearing/settlement flows)

Merchant acquiring and payment processor flows

How issuers, sponsor banks, and processor integrations work in practice

Familiarity with real-world transaction lifecycles across the stack (network → processor → ledger)

Experience designing or working on a ledger system, including:
Double-entry accounting concepts

Transaction lifecycles

Balance correctness and reconciliation

Experience building decisioning systems in production (e.g., transaction authorization, rules engines), ideally in real-time or latency-sensitive contexts

Experience working on systems that handle real money at scale (thousands of transactions per day or more)

Experience with global money movement, including:
Multi-currency systems

Currency conversion or FX considerations

Cross-border transactions (nice to have but strongly preferred)

Strong understanding of:
Data consistency and correctness

Idempotency and safe retries

Failure modes in distributed systems

Experience integrating with external financial APIs, including handling partial failures, timeouts, and eventual consistency

Proficiency in Python and relational databases (PostgreSQL preferred)

ABOUT YOU
You think in systems, not endpoints
You don’t just build APIs — you design systems that model real-world financial behavior. You understand how money moves through a system, how state changes over time, and how to ensure that state remains correct under failure.
You optimize for correctness first
You prioritize:
Accurate balances over eventual fixes

Clear invariants over implicit assumptions

Systems that are easy to reason about under stress

You’ve seen what goes wrong in financial systems — and you design to prevent it.
You are comfortable with complexity
You’ve worked on systems with:
Multiple sources of truth (and resolved them)

Asynchronous workflows and external dependencies

Subtle edge cases (duplicates, race conditions, reconciliation gaps)

And you know how to simplify where it matters.
You take ownership of critical infrastructure
You are comfortable owning systems where:
Failures are visible and impactful

Debugging requires tracing through distributed systems

Long-term maintainability matters as much as short-term delivery

You raise the bar for the team
You write clear design docs and communicate trade-offs effectively

You mentor other engineers in system design and domain understanding

You push for better patterns, better abstractions, and better systems

This role is NOT a fit if:
You’ve primarily worked on CRUD-style backend systems without ownership of data integrity or system correctness

You prefer loosely defined systems where eventual consistency and approximation are acceptable

You have not worked with systems that move or track real money

COMPENSATION
Base salary of $200,000 to $240,000 + equity.

Range(s) is subject to change. Benepass takes a number of factors into account when determining individual starting pay, including market comparables, interview performance, peer compensation, and years of experience.

What We Offer
95% coverage of medical, dental, and vision

Fantastic benefits (of course 😃), including:
$250 WFH setup (one time)

$500/year Learning & Development Benefit

$150/month cell phone + internet

$100/month Wellness

$100/month Co-working and Commuter Benefit

We offer several team onsites a year

Flexible PTO

At Benepass, we are working towards reimagining how companies take care of their people. We are committed to creating an inclusive environment for all our employees and are seeking to build a team that reflects the diversity of the people we hope to serve with our revolutionary products. Benepass is proud to be an equal-opportunity employer.