Staff Software Engineer, Settlement and Ledger
Trustly
About the role
WHO WE ARE
At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.
Our Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like.
Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays.
The role
Trustly moves money between consumers, merchants and banks across the US. We are building our US engineering hubs in San Francisco and New York, starting with a small group of staff engineers who will take technical ownership of our most critical systems.
You will own Settlement and Ledger end to end: its architecture, its reliability, its operation in production, and where it goes next. You'll own settlement and the ledger of record: its design and invariants, how funds settle and reconcile, and the interfaces every other team must use to write to it.
You'll start by learning a mature, business-critical codebase fast, using AI tools to map it and writing the documentation others will build from. Within your first year, you'll help hire and lead the team that owns it with you.
What you'll do
- Own the architecture, service contracts and production health of Settlement and Ledger.
- Own the operation of your services: on-call, SLAs, incident response and root-cause fixes. There is no separate operations team; the team that builds the service runs it.
- Meet the observability standards set for every service, and make the service measurably better each quarter.
- Use AI tools to understand existing code quickly, then turn what you learn into design docs, interface definitions and runbooks that engineers and AI agents can work from.
- Partner with the engineers who run these systems today, across the Americas and Europe, to transfer knowledge.
- Direct AI-assisted implementation: write and close implementation plans, review output against requirements, and own integration testing.
- Help hire and shape the team that will own this domain.
What you bring
- Typically 10+ years building and operating production software systems, including several years owning systems at staff level or equivalent.
- Hands-on experience with payments, banking or other financial systems where correctness, auditability and uptime matter most.
- You have carried the pager for systems you built, and improved them because of it.
- A track record of taking over an unfamiliar, business-critical codebase and becoming its owner.
- Daily use of AI coding tools (such as Claude Code, Cursor or Copilot), with clear views on where they help and where human review has to hold.
- Strong distributed systems design: data consistency, idempotency, concurrency.
- Clear writing. Your design docs and incident write-ups are the ones other people reuse.
- Production experience with Java or a comparable backend language.
- Experience designing and running a ledger of record, with double-entry accounting and reconciliation at scale.
Nice to have
- Experience with ACH, RTP, FedNow or open banking.
- Experience helping build a new engineering hub or leading a major platform transition.
WHAT WE OFFER
At Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You will be challenged and empowered to grow, making a real impact every step of the way.
Our team is as diverse as the global footprint we serve. At Trustly, we foster a workplace where everyone feels they belong—a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work.
Our Fantastic Benefits (varies by location)
🌴 20 to 30 days of holiday to support a healthy work-life balance
🥳 Monthly team outing allowance to enjoy social events with your colleagues
👶 Parental leave top-up additional support for new parents
☕ On-site perks to make your workday smoother
💚 Well being support our health allowance covers gym memberships, massages, and much more to help you feel your best
PLUS additional benefits designed to enhance your work-life experience!
Shape Your Role and Make an Impact
Join a dynamic environment where you can take ownership, drive change, and continuously embrace new challenges. We’re looking for dedicated and highly motivated individuals who thrive in a fast-paced environment and enjoy collaborating across different areas of the organization.
Responsibilities
- Own the architecture, service contracts, reliability, and production health of Settlement and Ledger.
- Operate services, including on-call, SLAs, incident response, and root-cause fixes.
- Improve observability and service quality over time.
- Use AI tools to understand the codebase and produce design documents, interface definitions, and runbooks.
- Coordinate knowledge transfer with engineers across the Americas and Europe.
- Direct AI-assisted implementation, review work against requirements, and own integration testing.
- Help hire and shape the team responsible for the domain.
Qualifications
- Typically 10+ years building and operating production software systems, including several years of staff-level system ownership or equivalent.
- Hands-on experience with payments, banking, or other financial systems requiring correctness, auditability, and uptime.
- Experience operating systems on-call and improving them based on production incidents.
- Track record of taking ownership of unfamiliar, business-critical codebases.
- Daily experience with AI coding tools and sound judgment about their use and human review.
- Strong distributed systems design skills, including data consistency, idempotency, and concurrency.
- Strong technical writing skills, including design documents and incident reports.
- Production experience with Java or a comparable backend language.
Benefits
- 20 to 30 days of holiday, depending on location.
- Monthly team outing allowance.
- Parental leave top-up.
- On-site perks.
- Health allowance for wellness expenses such as gym memberships and massages.
- Additional location-dependent benefits.
Skills mentioned
About Trustly
Trustly was launched in 2008 and has grown rapidly over the past 16 years to become a global leader in Open Banking Payment solutions. With a mission to make online payments as seamless as possible, Trustly offers an innovative payment platform, bridging the gap between consumers and merchants. Its technology ensures that transactions are processed in real-time, providing both speed and security for all parties involved. Trustly's dedication to revolutionizing the payments industry is reflected in its collaborations with major brands such as PayPal, eBay, and Hargreaves Lansdown in Europe and FanDuel, T-Mobile, and Coinbase in North America. To date, Trustly has transformed the performance and experience of payments for over 9,000 merchants in 30+ markets, connecting them to 650+ million consumers through 12,000 banks. Trustly is a licensed Payment Institution under the second payment services directive (PSD2). It operates under the supervision of the Swedish Financial Supervisory Authority in the EU, EEA and the Financial Conduct Authority in the UK. In the US, Trustly is state-regulated as required to serve its target markets.