Senior Software Engineer (Backend): Onboarding

About us:

BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability and more choice.

We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration.

Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen.

Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.

By combining Mastercard's global payment reach and trusted networks with BVNK's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation.

We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift.

We're incredibly honored to have been recognized by:

• CNBC World's Top Fintech Companies (2026)
• FXC Intelligence Top 100 Cross-border Payment Companies (2026)
• Newsweek's The Top 100 Global Most Loved Workplaces (three years running, most recently 2025)
• LinkedIn as one of the Top 20 Startups in the UK (2025)

Location: We offer a Hybrid/Remote working policy. 

About the role:
The Onboarding & Identity team owns the whole journey that turns a prospective customer into a verified, compliant BVNK account. This covers direct businesses, partners' end customers (embedded) and underlying customers of licensed partners (nested). We build the orchestration layer and APIs behind KYC/KYB, identity checks, sanctions and PEP screening, automated customer risk assessment, and signing agreements. These connect to providers like SumSub, Orbis and Temporal. Our platform lets embedded partners onboard hundreds of thousands of end customers through simple APIs and webhooks. Our goal is very high rates of automated approval, without compromising on regulatory standards in the EU, UK and US.

Key Areas of Responsibilities:

• Collaborate closely with our product team to ensure efficient iteration and delivery of high-quality results in the Embedded Payments and Onboarding squad.
• Have a pragmatic approach that prioritizes simplicity while maintaining effectiveness in all engineering projects.
• Ensure that our products are engineered in a future-proof manner, emphasizing the sustainability of product design.
• Facilitate the integration of Salesforce into our engineering practices, working closely with Salesforce experts and engineers to ensure seamless integration of this critical tool.
• Collaborate with ID&V and RegTech vendors to seamlessly infuse cutting-edge regulatory technology solutions into our engineering ecosystem, ensuring our preparedness to adapt to shifting regulatory requirements.
• Contribute to ensuring that our engineering practices remain compliant and up-to-date, playing a crucial role in strengthening our Embedded Payments and Onboarding capabilities.

What we need from you:

• Strong experience as a backend software engineer, with deep proficiency in languages such as Java, Kotlin or similar JVM-based languages.
• Experience designing, building, and operating microservices in a distributed systems environment.
• Solid understanding of relational databases (e.g., PostgreSQL) and event-driven architectures (e.g., Kafka, SQS/SNS).
• Experience with cloud platforms such as AWS, GCP, or Azure.
• Experience with containerisation and orchestration technologies including Docker and Kubernetes.
• Familiarity with infrastructure-as-code concepts and modern software delivery practices (CI/CD).
• Experience with observability and reliability tooling including logging, metrics, tracing, and performance optimisation.
• Comfortable working with Jira, Confluence, Git-based workflows, and collaborative engineering practices.
• Strong communication skills with the ability to explain technical concepts clearly to both technical and non-technical stakeholders.
• A thoughtful, practical approach to problem-solving that considers tradeoffs and avoids over-engineering.

Nice to have:

• Experience working in fintech, payments, or banking infrastructure, particularly around fiat payment processing, clearing, or settlement.
• Exposure to payment schemes, banking APIs, or multi-rail payment routing and orchestration.
• Experience with stablecoin or cryptocurrency infrastructure and fiat-to-crypto bridging.
• Understanding of domain-driven design and hexagonal architecture patterns.
• Familiarity with reconciliation systems, idempotency patterns, and handling eventual consistency in financial workflows.
• Experience working in high-growth or fast-scaling technology environments.
• Experience contributing to engineering strategy, hiring, or organisational scaling initiatives

What you can expect from us:

• Fair and competitive salary at every stage of your growth
• Flexible working hours, with hybrid working at its heart
• A culture built on passionate, growth-minded people
• A flexible approach to holiday
• Opportunities to travel to our offices around the world
• An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets

*At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. This is as you may be a great fit for this role or another role in our team.*