✦ Luna Orbit — Software Engineering

Senior Staff Software Engineer, Commercial Banking

at SoFi

📍 WA - Seattle Remote Posted March 18, 2026
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Position Details

Type Full-Time
Experience senior
Exp. Years Not specified
Education Not specified
Category Software Engineering

About this role

This role involves designing and building core systems for real-time payments and settlement networks at SoFi, focusing on scalable, reliable, and secure financial technology solutions.

Key Responsibilities

  • Architect core payment systems
  • Design real-time settlement infrastructure
  • Build scalable microservices
  • Define API contracts
  • Ensure system security and performance

Technical Overview

Focuses on system architecture, API design, payment processing, microservices, distributed systems, and real-time settlement within a fintech environment, with hands-on coding and architectural decision-making.

Ideal Candidate

The ideal candidate is a senior software engineer with expertise in system architecture, API design, and real-time payment systems. They should have experience building scalable microservices and distributed systems within fintech environments, with a hands-on coding background.

Must-Have Skills

System ArchitectureAPI DesignPayment SystemsReal-time SettlementMicroservices

Nice-to-Have Skills

Distributed SystemsIdentity ManagementRBACPayment RailsAPI Contracts

Tools & Platforms

API GatewaySandbox EnvironmentPayment NetworksKubernetesDocker

Required Skills

System ArchitectureAPI DesignPayment SystemsReal-time SettlementMicroservicesDistributed SystemsAPI ContractsIdentity ManagementRBACPayment Rails

Hard Skills

System ArchitectureAPI DesignPayment SystemsReal-time SettlementMicroservicesDistributed SystemsAPI ContractsIdentity ManagementRBACPayment Rails

Soft Skills

LeadershipProblem-solvingCommunicationCollaborationTechnical Decision MakingHands-on CodingDesign Thinking

Industry & Role

Industry Fintech
Job Function Software engineering for payment and settlement systems
Role Subtype Software Engineer
Tech Domains API Design, Payment Systems, Distributed Systems, Microservices, Cloud Infrastructure, Kubernetes, Docker

Keywords for Your Resume

software engineersystem architectureapi designpayment systemsreal-time settlementmicroservicesdistributed systemsidentity managementrbacpayment railsapi contractscloud infrastructurekubernetesdockerhands-on codingsystem designfinancial technologyfintechpayment network

Deal Breakers

Lack of experience with payment systems, No background in fintech or real-time systems, Unfamiliar with microservices architecture, No experience with distributed systems

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