260K–390K USD / year
Principal Software Engineer, AMER Payments
BackendHybrid — San Francisco, New York
Published on 2026-11-02
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About this role
Lead hands-on engineering across U.S. payments, bank connectivity, and risk systems. The role focuses on building cross-system changes, defining versioned contracts and API specifications, and ensuring reliability during incidents and peak events.
About the company
Trustly is an open banking payments company that lets consumers pay and get paid directly from their bank accounts.
The team
US Platform squad, within Engineering - AMER.
What you'll do
- Write and merge production code, reference implementations, contract tests, and critical fixes.
- Own versioned contracts between payments, bank connectivity, and risk systems, with tests enforced in CI.
- Build initial versions of cross-domain changes and hand them off to owning teams.
- Co-own the global API specification with merchant API engineers.
- Lead technical responses to cross-domain P0 and P1 incidents.
- Run peak-event load tests, failure drills, and capacity planning.
- Set US Platform priorities and contracts across payments, bank connectivity, and infrastructure.
What we're looking for
- Typically 15+ years of software engineering experience with principal-level scope across multiple teams.
- Continue writing production code.
- Experience designing, building, and operating large-scale payment, banking, or ledger systems.
- Deep distributed-systems expertise, including consistency, idempotency, concurrency, and failure handling.
- Ability to set technical direction through code and clear writing.
- Product judgment to balance platform trade-offs with business and product needs.
- Practical current use of AI in engineering and good judgment about its limits in regulated systems.
Nice to have
- Experience with ACH, RTP, FedNow, or open banking.
- Experience unifying platforms across regions.
Benefits
- Flexible paid time off and generous PTO accrual plans.
- Medical, dental, vision, and other insurance coverage.
- Home office setup allowance and internet stipend.
- 401(k) and RRSP retirement plan match.
- Gender-neutral paid parental leave.