Senior Backend Engineer - Onramp - Crypto

Company: Career Renew
Location: New York City
Posted on: February 17, 2026

Job Description:

Job Description Job Description Career Renew is recruiting for one of its clients a Senior Backend Engineer - Onramp - Crypto - this is a fully onsite role in NYC. What You’ll Do As a Backend Engineer , you’ll design and scale the fintech and crypto systems powering seamless fiat ? crypto flows, real-time risk decisions, and rock-solid financial records. You will: Own payment orchestration for bank rails (ACH, RTP, FedNow, SEPA, Open Banking) and cards (Apple Pay, Google Pay) with idempotent, fault-tolerant APIs and webhook processing. Integrate third-party providers (Plaid, TrueLayer, Tink, Stripe, Checkout.com, Adyen, Chainalysis, TRM, Travel Rule networks) behind clean, reliable interfaces. Build a real-time risk engine ( combining rules, ML scores, device signals, sanctions/KYC hits, and blockchain analytics to drive GREEN/AMBER/RED outcomes. Implement KYC/AML primitives (CIP/CDD, sanctions/PEP screening, Travel Rule data, audit-ready journaling) in close partnership with Compliance. Ship a double-entry ledger and reconciliation system tying together processors, bank statements, and on-chain balances with daily break detection and automated remediation. Deliver crypto to user wallets safely and fast (e.g., USDC/SOL), managing hot-wallet flow, transaction creation, confirmations, and operational safeguards. Raise the bar on reliability — SLOs, circuit breakers, retries, DLQs, shadow traffic, and canary releases. Instrument everything with traces, metrics, and logs. Build internal ops & compliance dashboards and participate in on-call for a 24/7 system. Collaborate cross-functionally with product, mobile, compliance, risk, and finance to take features from concept to production. Who You Are Experienced Onramp specialist with a track record building ramps end-to-end. Back-end expert in high-throughput, low-latency distributed systems , payments, or fintech risk. Fluent in Rust, Go, or TypeScript/Node/Python with strong systems skills. Database expert — deep in Postgres (transactions, indexing, locking), familiar with Redis and event/OLAP stores (Kafka/Redpanda, ClickHouse). API craftsman — gRPC/REST best practices, versioning, pagination, authN/Z, idempotency, and webhook consumers. Event-driven thinker — designs with queues, outbox/inbox, and exactly-once-effective behavior. Security-minded — key management, HSM/KMS, secrets hygiene, least privilege, and auditability. Ownership-driven, comfortable with ambiguity, and thrives on iteration. Nice to Have (Signal Boosters) Payments: ACH/NACHA returns, 3DS/SCA, AVS/CVV, BIN analysis, chargebacks, Apple/Google Pay. Open Banking: Plaid, TrueLayer, Tink; account auth & bank-transfer initiation. Risk/Fraud: rule engines, device fingerprinting, feature stores, Plaid Beacon/Signal, dispute workflows. Compliance: sanctions/PEP screening, Travel Rule networks, SAR/STR integration. Crypto Delivery: Solana RPCs, USDC flows, wallet ops, Chainalysis/TRM integrations. Accounting: double-entry ledgers, reconciliation jobs, regulatory/tax reporting (1099-DA/DAC8). Infra: AWS, Terraform, Docker/Kubernetes, CI/CD, OpenTelemetry, Prometheus, Grafana. Tech Stack You Might Touch Rust, Go, TypeScript/Node, Python Postgres, Redis, ClickHouse Kafka/Redpanda, NATS gRPC/REST, AWS (EKS, RDS, KMS), Terraform OpenTelemetry, Prometheus, Grafana Plaid, TrueLayer, Tink, Stripe, Checkout.com , Adyen, Chainaylsis, TRM, Notabene/TRISA Why Join Us If you thrive in chaos, love ambitious problems, and want to build something game-changing, we want to hear from you. At our core, we believe in: Speed over perfection — ship now, iterate later. Ownership over bureaucracy — everyone makes big decisions. Talent density over headcount — we hire the best, no exceptions. Building for the future — crypto moves fast, and so do we. Compensation & Package Base Salary Equity/Tokens

Keywords: Career Renew, Hempstead , Senior Backend Engineer - Onramp - Crypto, IT / Software / Systems , New York City, New York