Staff Software Engineer - Arc Technology

Location: Prefer Onsite NYC (Hybrid). Open to exceptional candidates in SF or fully remote.
Employment Type: Full-Time
Hiring Manager: Andrew Rosen

About Arc

Arc is building the first AI-native business banking platform and defining a new category: Banking 3.0. We empower high-growth companies to manage, analyze, and act on their financial data through a unified cash management, treasury, and debt-financing platform-powered by AI.

Founded in 2021, Arc is backed by world-class investors (Series A), has ~30 FTEs, and supports 1,000+ customers with nearly $1B in deposits. We doubled revenue in 2025 and are on a clear path to profitability by early 2026. With offices in NYC and SF, we operate on a Monday-Wednesday in-office model (Thu-Fri optional).

We're at an inflection point:
Large enough to matter; small enough to innovate.

The Role: Staff Software Engineer

This is a critical backfill role, with expectations unleveled for broader architectural influence, technical leadership, and impact on Arc's evolving AI-native financial platform. As a Staff Software Engineer, you will own major components across our banking, treasury, and AI automation systems-designing for reliability, scale, safety, and speed.

You'll work directly with Andrew Rosen and partner cross-functionally with product, AI, data, and security to build the intelligence layer that powers Banking 3.0.

What You'll Do
Lead architecture and development of Arc's banking and AI systems

• Own end-to-end design for major platform surfaces across cash management, treasury, and debt marketplace.
• Contribute to Arc's AI agent, Archie, evolving from insights → supervised actions → controlled execution inside the bank.

Build mission-critical, high-reliability financial infrastructure

• Scale our banking rails, KYC/KYB onboarding flows, ledgering systems, and fund movement pipelines.
• Deeply consider safety, audibility, and security in every decision.

Drive Arc's automation roadmap

• Automate lending workflows (target: 90% automation).
• Power the AI CFO agent's ability to take actions, not just deliver insights.

Own strategic technical decisions

• Identify and implement "fast moving water" opportunities.
• Influence product direction with a strong owner mindset.
• Mentor engineers and elevate engineering quality across the team.

What You'll Achieve
In 30 Days

• Ramp fully into Arc's stack, taking ownership of a meaningful component.
• Understand banking integrations, ledger models, and AI intelligence architecture.

In 60 Days

• Lead development of a significant feature or system.
• Improve reliability or performance of a core workflow.

In 90 Days

• Drive a high-impact roadmap initiative across AI, cash management, or lending automation.
• Serve as go-to technical lead for a functional area.

Ideal Background
Required

• 5-7+ years of software engineering experience (strong IC track record).
• Startup experience + exposure to at least one mid-size or large engineering environment.
• Strong system design fundamentals and experience scaling distributed systems.
• Solid understanding of LLMs, agents, embeddings, or vectorized workflows.

Preferred (Nice-to-Have)

• Background in fintech, treasury, payments, or regulated environments.
• Experience with document understanding, orchestration agents, or AI feature development.
• Familiarity with high-security data systems, audibility, or compliance-heavy infra.

Attributes That Make You Successful Here

• Owner mentality-operates with autonomy, sees problems end-to-end.
• Customer-obsessed-builds with empathy for end users.
• Thinks big-comfortable in ambiguity, innovates quickly.
• Bias toward action and clarity.
• High accountability and technical standards.

Why Join Arc Now?

• Category creation: You'll build the world's first agentic AI platform for finance.
• Massive market: Banking + treasury + AI automation is a multi-trillion-dollar opportunity.
• PMF already secured: Arc has elite customers, strong economics, and hyper-growth.
• High impact: Staff engineers here are foundational-this role moves the roadmap.
• Lean, elite team: Work with exceptional builders; every engineer is high-leverage.