Role: Backend Software Engineer - AI Neobank App (US)
Type: Direct Hire
Location: US (Remote)
 
The Role:
This role is for engineers who can build reliable APIs, workflows and financial product infrastructure that can scale across markets, partners and millions of users.
 
What You'll Own:

• Build backend services, APIs and workflows for the AI Neobank app.
• Support products across insurance, payments, wallet, savings, investing, travel and financial services.
• Design reliable systems for user accounts, transactions, partner integrations, reconciliation, notifications and operations.
• Work with product and mobile teams to ship customer-facing journeys quickly.
• Integrate with banks, payment gateways, insurers, data providers and other partners.
• Improve system reliability, observability, security and performance.
• Build systems that are practical, auditable and ready for regulated financial products.

 
What We're Looking For:

• 3+ years of backend engineering experience.
• Strong fundamentals in APIs, databases, system design and production debugging.
• Experience building scalable services and integrating third-party systems.
• Good understanding of security, reliability, data quality and operational edge cases.
• Able to make practical trade-offs between speed, quality and risk.
• Comfortable working with product, mobile, operations and business teams.
• Experience in fintech, payments, insurance, lending, banking or regulated products is a strong advantage.

 
The Kind of Builder We Want:

• Builds systems that work in the real world, not just on diagrams.
• Thinks through edge cases, failure modes and operational impact.
• Can move fast without creating fragile foundations.
• Takes ownership of production issues and long-term reliability.
• Explains clearly what they personally built versus what the team delivered.

 
This Role Is Not For:

• Engineers who only want isolated backend tasks.
• People who ignore security, data consistency, monitoring or operational risk.
• Developers who cannot work with fast-changing product requirements.
• Candidates who talk about scale but have not handled production systems.
• People who exaggerate impact without being clear on ownership.

 
Location:
This role is remote, but candidates must be based in US. We are hiring specifically for this market, so applicants should already be based in US.
 
Language:
English is our main working language across global teams. Strong English communication is required.
 
Interview Process:
Our process is designed to move fast:
1. Online assessment or practical task
2. Technical interview
3. CEO / final round

For strong candidates, we aim to complete the process and make an offer within 1 week from the start of the interview process. Candidates who complete assessments quickly will be prioritized.
 
  
 
At SPECTRAFORCE, we are committed to maintaining a workplace that ensures fair compensation and wage transparency in adherence with all applicable state and local laws.This position's pay range is $120000.00/Yearly - $140000.00/Yearly.