Staff Software Engineer: Crypto & Commercial Banking

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Who we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Role

SoFi is seeking a Staff Software Engineer to join a high-impact team at the intersection of traditional finance and the future of digital assets. We are building the next generation of institutional infrastructure, bridging the gap between our brand-new Commercial Banking suite and our re-entry into the Crypto space.

On this team, you will be architecting the foundation for SEN (SoFi Exchange Network)—a 24/7/365 closed-loop settlement network designed to serve large institutional clients in crypto, fintech, and enterprise finance. You will be in the middle of it all: implementing real-time payment rails, multi-account treasury management, and secure crypto custody solutions.

The ideal candidate is both a visionary architect and a hands-on builder. At SoFi, we pride ourselves on the collaboration between Product, Design, and Engineering. You will be involved in the entire product lifecycle—from ideation and shaping a new business line to deploying scalable services that handle institutional money from day one.

What You’ll Do

• Architect & Build: Lead the development of highly available, scalable services for institutional banking and crypto investing, transfers, and settlement.
• Bridge Ecosystems: Work on the infrastructure that allows institutional clients to manage fiat and digital assets seamlessly within the SoFi ecosystem.
• Collaborate: Partner closely with Product and Business stakeholders to gather requirements and design solutions that align with both technical constraints and aggressive project timelines.
• Lead & Mentor: Shape the technical culture, conduct design reviews, and mentor other engineers to help grow this brand-new business unit.
• Drive Innovation: Generate ideas for new initiatives, leveraging SoFi’s banking charter to create industry-leading settlement rails.
• Own the Lifecycle: Manage projects from inception through deployment, ensuring the health, security, and performance of the codebase.

What You’ll Need

• Education: Bachelor’s degree in Computer Science or a related technical field.
• Experience: 8+ years of programming experience, ideally on a modern stack.
• Technical Proficiency: Our core stack is Kotlin / Spring / Elixir / PostgreSQL. You don’t need to be an expert in all of them, but you should have 6+ years in similar technologies and a deep understanding of relational databases.
• Execution Mindset: A strong sense of ownership and a drive for delivery. We value shipping impactful features over polishing "perfect" code in a vacuum.
• Collaborative Spirit: Experience working in a modern dev environment (Git, PR workflows) and a willingness to roll up your sleeves to get the job done.
• Problem Solving: An affinity for solving complex distributed systems problems, particularly those involving high-stakes financial transactions.

Nice to Haves

• Crypto Expertise: Understanding of blockchain fundamentals, distributed ledger technology (DLT), and hands-on experience with digital assets (Bitcoin, Ethereum, Stablecoins).
• Institutional Finance: Familiarity with commercial banking operations, including custody, settlement, clearing, and treasury management.
• Domain Knowledge: Awareness of crypto-specific regulatory environments (SEC, CFTC, MiCA) and experience with infrastructure providers like Fireblocks, Zero Hash, or Anchorage.
• Network Effects: Experience building or integrating with real-time payment networks (RTW, FedNow) or exchange settlement networks.
• Security: Comfort with cryptographic concepts such as wallets, key management, and digital signatures.

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical conditi