Senior Full-Stack Engineer, Payments (Remote · US + LATAM · Engineering)

Full Stack Engineering JD Senior Full-Stack Engineer, Payments Remote · US + LATAM · Engineering --- Build the rails that move money home. Every year, more than half a trillion dollars crosses borders between people. Most of it is slow, expensive, and stuck in infrastructure built for a different era. We're rebuilding the rails. Palla powers instant cross-border P2P payments through APIs and white-label apps that financial institutions and fintechs embed into their own products, moving money in seconds across 180+ countries. We're backed by Revolution Ventures, Y Combinator, and Cowboy Ventures, and live with partners reaching 150M+ end customers across LATAM and the Caribbean. If you want to ship code that moves real money for real families, keep reading. --- About the role You'll join a world-class, AI-native engineering team operating with a level of leverage and speed that traditional orgs can't match. We ship weekly, not quarterly. Engineers talk directly to customers. Generalists own vertical slices end-to-end. Agents handle the toil; humans handle the judgment. As a Senior Full-Stack Engineer, you'll own meaningful parts of the Palla platform end-to-end, including API design, backend services, partner integrations, white-label clients, and the infrastructure underneath. You'll ship to production weekly, on real payment rails, with all the rigor that demands. --- What you'll do Design, build, and ship full-stack features across the Palla platform spanning APIs, services, clients, and infra Own production systems end-to-end, including on-call for what you build Integrate with partner APIs (banks, card networks, payout rails, KYC providers) and turn weeks of integration work into days Work directly with partners and our product team to translate real customer needs into shipped code Build with AI agents as teammates. Claude Code, Cursor, and the agent stack across our SDLC are core to how we work Help shape the engineering bar, hiring loop, and culture of an early team --- What you bring 5+ years of full-stack engineering experience shipping production systems at meaningful scale Bachelor's degree in Computer Science, Software Engineering, or a related technical field Fintech or payments background. You've shipped code that moved money, handled PII, or interacted with regulated infrastructure (banks, card networks, KYC/AML, ledgers, settlement) True full-stack range across frontend, backend, and infra. No handoffs Owner mindset. You measure yourself in shipped outcomes, not tickets closed Product instinct. You'd rather talk to a customer than read a PRD about one AI fluency. You already build with agents and have opinions on where they're strong and where they break Scrappy and fast. You'd rather ship a working v1 on Friday than a perfect v2 next quarter Bonus points Experience with cross-border payments, remittances, or FX LATAM market experience or Spanish fluency You've operated a real agentic system in production, not a demo Early engineer experience at a Seed or Series A startup