Backend Engineer, Payments and Risk

Note: if you are an intern, new grad, staff, frontend or fullstack applicant, please do not apply using this link and visit our jobs page for those specific postings. Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team The Payments organization focuses on developing products and platforms that enable users to accept payments from customers efficiently. This includes building APIs for processing payments, enabling regional, non-card payment options, and extending Stripe's capabilities to make it easy for businesses to accept in-person payments. Optimized Checkout and Link teams work to create best-in-class checkout experiences that enhance customer satisfaction and drive merchant conversion rates. The Risk Engineering team develops products that minimize financial and regulatory risks while ensuring a seamless user experience, thereby safeguarding Stripe's brand and financial stability. Sub-orgs: Link OCS, Payments Acceptance, Risk Team Matching: Exact team matching for one of the subteams will begin during the final stages. Please note we may also consider you for different orgs based on your experience, location, etc. What you'll do We're looking for backend engineers who want to make an impact on managing money at a global scale with a passion for building ergonomic APIs. You'll play a key role in extending our balance management platform and in building out a new funds accessibility platform leveraged by enterprises and SMBs alike. Our team collaborates with many cross-functional teams — from Infrastructure to Product — at Stripe to deliver innovative solutions that address evolving user needs. Responsibilities Scope, design, build, and maintain APIs, services, and large-scale systems that reliably and efficiently handle billions of money movement requests Debug and solve critical production issues across services and multiple levels of the stack Mentor and support engineers' growth Collaborate with stakeholders across the company to build new features at large-scale, while improving internal engineering standards, tooling, and processes Who you are We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. Minimum requirements 2–12+ years of industry software engineering experience (does not include internship or co-op experience) Strong coding skills in any programming language (we understand new languages can be learned on the job so our interview process is language agnostic) Strong collaboration skills; can work across workstreams within your team and contribute to your peers' success Ability to thrive with a high degree of autonomy and responsibility, with an entrepreneurial approach to your work Interest in working as a generalist across varying technologies and stacks to solve problems and delight both internal and external users Preferred qualifications Experience with large-scale financial tracking systems Good understanding and practical knowledge of cloud-based services (e.g., gRPC, GraphQL, Docker/Kubernetes, AWS, etc.)