Founding Engineer

Our client is a company that is building the first truly "agentic neobank" - a true customer advocate that not only gives but automatically implements advice for consumers on their day-to-day financial needs by leveraging AI and behavioral finance. The team believes the next generation of financial products will be autonomous, not rules-based, and is building an autonomous personal CFO that optimizes every element of personal finances - idle cash savings, debt, budgeting, expenses, investments, and taxation.

Role Objective

This is a hands-on builder role where you'll own the architecture, the stack, and every technical decision as go from prototype to MVP launch. You should have strong 0-to-1 experience, a preference for fintech or regulated domains, and the ability to ship production systems that handle real money movement. This role has a clear path to technical leadership as the team grows.

Responsibilities

• Building the MVP end-to-end: web app, mobile app, and the backend systems behind them - from secure AI-native infrastructure to money movement
• Integrating fintech vendor technologies (BaaS partners, payments rails, KYC/AML) into the core banking, card, and lending infrastructure
• Designing the architecture and data stack for an agentic financial services operating system, making key decisions on cloud providers, data resiliency, and system design
• Building agentic workflows that plug into real money decisions safely - with deterministic, auditable logic and compliance guardrails
• Setting the technical standards and architecture that future engineers will build on, while continuing to manage and work with contract engineers

• Experience: 5+ years of full-stack engineering experience, with a track record of building and shipping products from 0-to-1.
• Domain Preference: strong 0-to-1 experience, preferably in fintech or other regulated domains.
• Production Readiness: ability to ship production systems that handle real money movement.
• Tech Stack: TypeScript, React, React Native, Python, LLMs, Agentic AI Systems, RAG, Cloud Infrastructure (GCP/AWS/Azure), BaaS Partners, Payments Rails, KYC/AML.

• Work Format: Remote for the first 12-18 months, then transitioning to in-person/hybrid; NYC or San Francisco preferred.
• Location: New York City/San Francisco.
• Salary: competitive.
• Equity: 1-4% founding team equity; compensation scales with seniority, AI expertise, and 0-to-1 experience.
• Benefits: Generous benefits including healthcare and PTO.
• Visa Sponsorship: H-1B sponsorship and OPT/E-Verify available for the right candidate (company is E-Verified); preference for candidates who don't require sponsorship, but willing to sponsor for exceptional fits.
• Growth: Clear path to technical leadership as the team grows.