Staff Software Engineer - Payments at Narmi – New York, New York

About UsNarmi is how community financial institutions unlock the very latest capabilities in digital banking, account opening, and lending so they can move faster, tap new growth opportunities, and be where banking is going. Since our founding, Narmi has enabled the movement of billions of dollars and the opening of hundreds of thousands of accounts for banks and credit unions across the U.S. The results speak for themselves: our customers have grown deposits, revenue, and customer satisfaction, with one of the first institutions powered by Narmi recognized by Bankrate and NerdWallet for delivering the #1 digital banking experience in the country.
The Role: Staff Software Engineer - Payments ProcessingWe are looking for a Staff Software Engineer to lead the technical evolution of Narmi Now, our flagship instant payments solution. Narmi Now is a direct-to-Fed integration that enables 24/7/365 real-time money movement via the FedNow® Service.As a Staff Engineer on the Payments team, you won’t just be writing code; you will be the architect of a highly resilient, low-latency processing engine. You will tackle the unique challenges of "faster payments," where the margin for error is zero and the need for sophisticated fraud prevention (Narmi Guard) is paramount.
At Narmi, how we work is just as important as what we build. We call this The Narmi Standard:

• High Ceiling: You go beyond the obvious, take initiative, and hold yourself to high standards with care.
• Low Ego: You put the mission above ourselves, share credit freely, and lead with curiosity.
• Alignment to Mission: You believe that helping community financial institutions win against Mega Banks and FinTechs is a worthy endeavor, and will use that belief as a northstar to anchor your efforts to that goal.
• High Commitment: You follow through, roll up your sleeves, and keep the bar high for yourself and others.

What You’ll Do

• Architect Real-Time Infrastructure: Lead the design and scaling of our direct connection to the Federal Reserve, ensuring 99.99% uptime for instant credit and debit transfers.
• Drive Technical Strategy: Define the long-term roadmap for Narmi’s payment rails, transitioning from legacy batch processing to event-driven, real-time architectures.
• Integrate Security & Fraud: Work closely with the Narmi Guard team to embed world-class identity decisioning and fraud mitigation directly into the payment flow.
• Mentor & Lead: Act as a force multiplier for the engineering org, providing deep technical mentorship, setting code standards, and conducting high-impact reviews.
• Cross-Functional Collaboration: Partner with Product and Implementation teams to turn complex regulatory requirements into seamless UI/UX experiences for both financial institutions and their end-users.

What You’ll Bring

• Deep Payments Expertise: Extensive experience building or scaling payment processing systems (ACH, Wires, Card Processing, or ideally, RTP/FedNow).
• Systems Thinking: A proven track record of designing distributed systems that handle high-volume, mission-critical financial transactions with absolute data integrity.
• Tech Stack Proficiency: Comfort working across a modern stack (Python/Django, React, AWS, PostgreSQL). Experience with event-driven architecture (Kafka/RabbitMQ) is a major plus.
• Strategic Execution: The ability to balance "slow is smooth, and smooth is fast" — building for long-term stability while maintaining the agility of a high-growth fintech.
• Experience: 8+ years of professional software engineering experience, with at least 2+ years in a Staff, Principal, or Lead capacity.

The expected annual base salary for this role is $215,000 - $233,000. Base salary is only part of your total compensation. In addition to base salary, you will receive an equity option grant, and are eligible for performance-based cash and equity bonuses. Compensation included in an offer will be commensurate with the candidate’s skills, experience and geographic location. Compensation ranges for candidates located outside of New York City may differ. You will also receive a full benefits package.
We believe that high-performing teams include people from different backgrounds and experiences who can challenge each other's assumptions with fresh perspectives. To that end, we actively seek a diverse pool of applicants, including those from historically marginalized groups.
Please note that all correspondence related to this role will come directly from Narmi (email addresses ending in @narmi.com or @narmitech.com), and not from a third party. If you receive correspondence from an individual claiming to represent Narmi please let us know immediately at security@narmi.com.

CompensationThe base pay range for this role is $200,000 – $233,000 per year.