ABOUT EARNIN

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for people living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and excited to bring on world-class talent to help shape the next chapter of our growth journey.

EarnIn is becoming an AI-native company, embedding AI agents into how we build, analyze, and operate across every function. Teams use AI Agents to move from ideas to execution faster. By letting agents handle repetitive tasks, our people can focus on judgment, creativity, and hard problems. We pair this experimentation with the strict review and security guardrails our regulated financial environment requires, always keeping a focus on privacy and the people who rely on our products.

EarnIn is an AI-first company, and we encourage you to use AI tools throughout much of your interview process. If you use AI during the live interview, just say so; a quick, natural mention of how it helped and why you are using it is all we need. What we're evaluating is your judgment, reasoning, and ability to own and defend your work, not whether AI was involved. Some rounds, particularly those focused on your career history and past experiences, will not allow the use of AI, and we'll let you know of those in advance. When in doubt, ask your recruiter or interviewer directly.

POSITION SUMMARY

We’re looking for an exceptional Senior Staff Software Engineer to serve as the L0 Architect for Live Pay, the product that powers the EarnIn Card. As the team’s lead architect, you’ll own the technical vision and architectural integrity of the systems behind the card. These include integration with the core card platform, issuing bank partners, and Visa. They also include real-time transaction authorization, ledgering, card funding and balance management, settlement and reconciliation, and credit reporting. You’ll also own the backend architecture that supports the in-app card experience, including onboarding, post-onboarding, and card management.

You’ll operate at both deep technical and organizational scale. You’ll set the multi-year architecture, be the final technical escalation point for the team’s design decisions, and solve ambiguous, high-impact problems. You’ll work side by side with other Senior Staff and Principal Engineers and partner with the Business Unit lead to shape product and technical strategy. You’ll also help define how AI and agentic engineering workflows can safely amplify engineering productivity, with appropriate guardrails for security, correctness, and operational reliability.

The Canada base salary range for this full-time position is $279,000-$341,000 + equity + benefits. We determine salary ranges by role, level, and location. This hybrid position requires in-person work from our Vancouver, Canada office 2 days a week.

WHAT YOU’LL DO

Own Architecture & Technical Strategy: As the team’s L0 Architect, define and own the technical vision, system architecture, and multi-year roadmap for Live Pay and the EarnIn Card, spanning card authorization and processing, ledgering, card funding, settlement, credit reporting, and the member-facing card experience.
Shape Strategy with Business & Technical Leadership: Partner closely with the Business Unit lead and fellow Senior Staff and Principal Engineers to translate business goals into technical strategy, align on priorities and trade-offs, and keep architecture consistent across related domains.
Be the Architectural Authority: Serve as the team's final technical decision-maker for architecture. Lead architecture and design reviews, own technical RFCs, and keep systems coherent, scalable, and aligned with business and regulatory needs.