Staff Software Engineer, Settlement & Ledger
Trustly · San Francisco, California
WHO WE ARE
At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.
Our Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like.
Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays.
The role
Trustly moves money between consumers, merchants and banks across the US. We are building our US engineering hubs in San Francisco and New York, starting with a small group of staff engineers who will take technical ownership of our most critical systems.
You will own Settlement and Ledger end to end: its architecture, its reliability, its operation in production, and where it goes next. You'll own settlement and the ledger of record: its design and invariants, how funds settle and reconcile, and the interfaces every other team must use to write to it.
You'll start by learning a mature, business-critical codebase fast, using AI tools to map it and writing the documentation others will build from. Within your first year, you'll help hire and lead the team that owns it with you.
What you'll do
- Own the architecture, service contracts and production health of Settlement and Ledger.
- Own the operation of your services: on-call, SLAs, incident response and root-cause fixes. There is no separate operations team; the team that builds the service runs it.
- Meet the observability standards set for every service, and make the service measurably better each quarter.
- Use AI tools to understand existing code quickly, then turn what you learn into design docs, interface definitions and runbooks that engineers and AI agents can work from.
- Partner with the engineers who run these systems today, across the Americas and Europe, to transfer knowledge.
- Direct AI-assisted implementation: write and close implementation plans, review output against requirements, and own integration testing.
- Help hire and shape the team that will own this domain.
What you bring
- Typically 10+ years building and operating production software systems, including several years owning systems at staff level or equivalent.
- Hands-on experience with payments, banking or other financial systems where correctness, auditability and uptime matter most.
- You have carried the pager for systems you built, and improved them because of it.
- A track record of taking over an unfamiliar, business-critical codebase and becoming its owner.
- Daily use of AI coding tools (such as Claude Code, Cursor or Copilot), with clear views on where they help and where human review has to hold.
- Strong distributed systems design: data consistency, idempotency, concurrency.
- Clear writing. Your design docs and incident write-ups are the ones other people reuse.
- Production experience with Java or a comparable backend language.
- Experience designing and running a ledger of record, with double-entry accounting and reconciliation at scale.
Nice to have
- Experience with ACH, RTP, FedNow or open banking.
- Experience helping build a new engineering hub or leading a major platform transition.
WHAT WE OFFER
At Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You will be challenged and empowered to grow, making a real impact every step of the way.
Our team is as diverse as the global footprint we serve. At Trustly, we foster a workplace where everyone feels they belong—a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work.
Our Fantastic Benefits (varies by location)
🌴 20 to 30 days of holiday to support a healthy work-life balance
🥳 Monthly team outing allowance to enjoy social events with your colleagues
👶 Parental leave top-up additional support for new parents
☕ On-site perks to make your workday smoother
💚 Well being support our health allowance covers gym memberships, massages, and much more to help you feel your best
PLUS additional benefits designed to enhance your work-life experience!
Shape Your Role and Make an Impact
Join a dynamic environment where you can take ownership, drive change, and continuously embrace new challenges. We’re looking for dedicated and highly motivated individuals who thrive in a fast-paced environment and enjoy collaborating across different areas of the organization.