About OnePay

OnePay is the consumer fintech trusted by millions of Americans to make money better.

Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast.

We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.

We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining.

But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are:

Ready to run

Hungry and driven by urgency

Exceptional at what they do, with low ego

Comfortable operating in motion

The Role

As a Software Engineer on the Banking team at OnePay, your work will have a direct impact on how people access, move, and manage their money, driving everything from the design of scalable banking services to the reliability of real-time money movement that help our customers trust us with their finances. You will:

Lead technical design and delivery of banking features that scale with our growing customer base and support a seamless mobile experience

Set architectural standards and best practices for code quality, performance, security, and reliability across our banking services

Own the technical approach to complex challenges at scale, including sensitive financial data and real-time money movement

Mentor and grow engineers through design reviews, code reviews, and hands-on collaboration on tough problems

Partner closely with product, design, risk, and compliance to shape the roadmap and turn it into high-quality, shipped software

Create and maintain clear documentation, a must-have for a growing, remote organization

You Bring

7+ years of professional experience in backend or full-stack software engineering, including technical leadership of projects or teams

Proven success designing, building, and scaling production-grade APIs and distributed systems, ideally in banking, payments, or other regulated financial services

Experience with sensitive financial data and money movement systems, such as ledgers, account management, ACH, or card processing

Proficiency in Node.js and TypeScript or similar modern backend frameworks, and familiarity with microservices, Kubernetes, and AWS

Experience with mobile or user-facing applications, ideally React Native, is a plus

Strong communication and collaboration skills, with a track record of mentoring engineers and driving technical decisions across teams

Drive and proactivity - everyone here is a builder and executor

Tools We Use

We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.

What We Offer

Competitive base salary, stock options, and health benefits from Day 1

401(k) plan with company match

Remote-friendly (US), flexible time off (FTO), and opportunities for growth

A high-growth, mission-driven, inclusive culture where your work has real impact

Standard Interview Process

Our process varies by role. Most candidates go through:

AI-assisted initial screen

Interview with Talent Partner

Technical or Hiring Manager Interview

Team Interview