Job Description:The Role
As a Senior Software Development Engineer (SDE3) on the Receiver Products team, you'll design and build core services for a new generation of financial products aimed at the people who receive remittances. You'll take well-scoped, ambiguous problems - from a new savings feature to a new disbursement integration - and turn them into reliable, secure, production-grade systems used by millions of people.
This is a strong fit for an engineer who wants real ownership: you'll drive the technical design for significant pieces of the receiver product surface, working closely with a Principal Engineer, your engineering manager, and product partners, while mentoring other engineers and raising the bar for the team's technical practices.
What You'll DoDesign & Build Receiver Financial Services- Design and deliver backend services and features that power receivers' ability to save and spend money in their home countries - from account structures to transaction flows.
- Write clear technical designs and RFCs for your own projects, incorporating feedback from senior and principal engineers.
- Make sound day-to-day technical decisions on service boundaries, data models, and API contracts within an established architecture.
Integrate with the Remitly Money-Movement Platform- Build integrations between receiver-side capabilities and Remitly's global money-movement infrastructure - disbursements, FX, liquidity, and compliance systems.
- Ensure safe, consistent hand-offs between send-side and receive-side flows, with strong data consistency and auditability.
- Follow and help refine platform standards for cross-service communication, idempotency, and failure handling.
Build with Security & Compliance in Mind- Apply security and compliance requirements from the start, partnering with Compliance and Security Engineering on AML, KYC, and local regulatory needs.
- Implement least-privilege access, encryption at rest and in transit, and audit trails as standard practice.
- Participate in threat-modeling exercises and resolve vulnerabilities in the services you own.
Operate at Scale- Build services that perform reliably under real production load and scale gracefully as the receiver base grows.
- Help define and meet SLOs and error budgets for the services you own.
- Carry on-call responsibilities, write runbooks, and contribute to blameless post-mortems that improve the team's operational practices.
Grow the Team- Mentor SDE1/SDE2 engineers through code review, pairing, and design feedback.
- Actively participate in design reviews - both giving and receiving feedback - and help raise the technical bar on your team.
- Partner closely with your engineering manager and product manager to turn ambiguous problems into executable technical plans.
Who You AreRequired Qualifications- 5+ years of professional software engineering experience, including designing and operating production distributed systems.
- Track record of owning a project end-to-end - from technical design through launch and operation.
- Solid backend engineering fundamentals: service-oriented or event-driven architectures, RESTful or async APIs, and relational or distributed databases.
- Working knowledge of security and compliance considerations in regulated or sensitive-data environments (fintech, banking, payments, or healthcare a plus).
- Comfortable collaborating across engineering, product, and operations to get things done.
- Clear written and verbal communication - you can explain a technical decision to both engineers and non-engineers.
Nice to Have- Experience building financial products for emerging markets (LATAM, Sub-Saharan Africa, South/Southeast Asia, or similar).
- Exposure to payments infrastructure: card rails, ACH, real-time payment networks, mobile money, or digital wallets.
- Familiarity with AML/KYC frameworks, PCI-DSS, or SOC 2 in a software context.
- Experience integrating with partner financial institutions, fintechs, or licensed payment processors via API.
- Interest in growing toward broader technical leadership - mentoring, RFC authorship, cross-team design work.
Why Remitly- Mission that matters: every line of code you write moves real money for real families.
- Meaningful ownership: ship features and services end-to-end on a new, fast-moving product surface.
- Global scale: build for users across dozens of countries, with real distributed-systems challenges.
- Strong fundamentals: build on top of a proven, high-reliability platform with mature engineering practices.
- Growth path: close partnership with senior and principal engineers, with a clear track toward Staff-level scope.
- Competitive compensation: salary, equity, and comprehensive benefits - details shared during the recruitment process.
- Flexible work: hybrid model with offices in Seattle, London, and other global hubs.
