Senior Backend Engineer - Payments Platform

About Choice Digital

Choice Digital is redefining modern disbursements. Our platform combines compliance, security, and simplicity to ensure every payment is delivered securely, instantly, and without friction. From eliminating fraud risk with real-time intelligence to guaranteeing payment delivery, we empower businesses to streamline financial operations while building trust with their customers.

Why Join Choice Digital

Choice Digital is growing fast, profitable, and scaling into new industries where modern disbursements are no longer optional - they’re essential.

Here's why people love building their careers here:

• Proven growth: You'll join a profitable company serving 300+ clients and rapidly expanding into new markets.
• Real impact: Your work will directly transform how money moves, solving inefficiencies that frustrate both businesses and customers.
• Culture of confidence: Enjoy a collaborative, casual environment where we balance autonomy with accountability.
• Future-focused: Help shape a rapidly evolving category - we’re not just part of the change, we’re leading it.

Our Core Values

Our Core Values guide how we work and who we strive to be.

• Relentless Ownership. We take responsibility end to end. If it is ours, we own it until the outcome is achieved.
• Find the Right Way Forward. When the work matters, we focus on solutions. We don’t get stuck on obstacles or default to “no.” If something aligns with our vision and improves outcomes for clients or recipients, we ask how to make it happen.
• Lead with Integrity. We act in ways that make us worthy of trust from clients, consumers, and each other. We do not trade trust for speed, convenience, or short-term economics.

Position Overview

Choice Digital is seeking a Senior Software Engineer who can take responsibility for designing, developing, and maintaining scalable backend software systems. You’ll be joining a growing team of passionate Software Engineers who foster a culture of shared ownership, teamwork, and engineering excellence.

As a Senior Software Engineer, you will help build the infrastructure that powers large-scale consumer disbursements. This includes systems responsible for:

• Payment orchestration across multiple rails (ACH, prepaid cards, digital wallets, and checks)
• Transaction lifecycle management, settlement, and reconciliation
• Fraud detection and risk decisioning
• Ledgering and financial record systems
• High-reliability APIs used by enterprise clients to initiate and track payments

Our platform processes large volumes of financial transactions and requires systems that are secure, observable, and highly resilient.

Key Responsibilities

Technical Architecture & Execution

• Design, build, and own various backends components of the Choice Digital platform
• Collaborate with the engineering team to design and implement solutions using micro-service and service-oriented architectures
• Enhance existing DevOps for best practices for continuous integration, testing, deployment, and scaling
• Ensure implementation meets the highest quality and security standards

Strategic Planning & Governance

• Work directly with Product Management and Engineering Management to plan and prioritize work
• Own backend components, and establish and enforce standards for security and quality across the platform

Qualifications and Experience

Required:

• Bachelor’s degree in Computer Science or equivalent field, OR 5+ years of experience in software design and development
• Basic knowledge of Google Cloud Platform or AWS and containerization/infrastructure-as-code tools (Docker, Terraform)
• Thorough understanding of Object-Oriented Design and Development
• Experience with software testing methodologies and strategies
• Mastery of Python and an ability to learn new technologies quickly
• Very comfortable with SQL and noSQL databases, such as Postgres and Redis
• Understanding of Git/Source Control best practices
• Ability to adjust priorities to delivery schedules
• Must have a passion for building GREAT software

Preferred:

• Experience in payments, fintech, banking, or financial infrastructure
• familiarity with payment rails such as: ACH, card networks (Visa/Mastercard), mobile wallets, experience integrating with third-party financial services or payment processors
• Experience working with systems that handle sensitive financial or personal data and require strong security practices
• Experience designing and implementing ledgering or financial record systems

What we Offer

• Competitive annual compensation range of $140,000 to $160,000
• Annual bonus linked to company success and your personal performance
• Equity offerings through stock options
• 401(k) retirement savings match (up to 4%)
• Unlimited PTO policy
• Company paid holidays
• Medical, Dental, Vision, and Life Insurance

In compliance with Colorado state law, pay for this position is anticipated to be between $140,000 and $160,000. Actual offers will be based on the applicant’s skills, experience, and education.

While the anticipated deadline is anticipated to be October 6th, 2026, you are encouraged to submit your application as we may still consider qualified candidates beyond this date.

Candidate profiles and resources from recruiting agencies and vendors are not being considered for this role. Please do not solicit Choice Digital with requests for business. We are unable to sponsor

Choice Digital is an equal opportunity employer.