Principal Software Engineer, AMER Payments
Trustly
About the role
WHO WE ARE
Our ambition is to make open banking real for everyone. We're building the network that lets people pay and get paid straight from their bank account, instantly and securely, so more of every payment reaches the people it's meant for. We're a global leader in open banking payments: since 2008 we've connected more than 12,000 banks, and today we process more than $100 billion in payments a year.
ABOUT THE ROLE
Trustly moves money between consumers, merchants and banks across the US. This is a hands-on engineering role. You'll own, in code, the contracts between our payments systems, bank connectivity and risk decisioning, and you'll build the hardest cross-system changes yourself. Expect to spend about two-thirds of your time building.
What you'll do
Write and merge code on the critical path every week: reference implementations, contract tests and the hardest fixes.
Own the contracts between payments, bank connectivity and risk as versioned specs in the repo, with contract tests in CI that fail the build when a contract breaks.
Build the first version of hard cross-domain changes, then hand them to the owning team.
Own our global API specification, with the engineers who own our merchant-facing APIs.
Lead the technical response to any P0 or P1 that crosses domains, as part of the escalation rotation.
Run peak-event readiness yourself: load tests, failure drills and capacity calls.
Lead the US Platform squad: set platform priorities and contracts across payments, bank connectivity and infrastructure, and weigh them against the needs of the business squads, with program support from our Core Payments TPMs.
What you bring
Typically 15+ years in software engineering, with principal-level scope across multiple teams, and still writing production code.
Designed, built and operated payment, banking or ledger systems at scale.
A record of setting technical direction through code and clear writing, not slides.
Product judgment: you can make platform trade-offs with business and product leaders, not only engineers.
Deep distributed systems expertise: consistency, idempotency, concurrency, failure handling.
Practical, current use of AI in engineering, with clear judgment on its limits in regulated systems.
Nice to have
Experience with ACH, RTP, FedNow or open banking, and with unifying platforms across regions.
LOCATION & WORKPLACE
This is a hybrid role based out of our San Francisco office. We look for team members to be in the office Tuesday through Thursday.
SALARY RANGES IN US-BASED ROLE POSTING
Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Recruiters can share more information with applicants about the specific salary range for preferred locations during the hiring process. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include other perks and benefits.
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, with colleagues across Silicon Valley, the U.S., Canada, Brazil, Europe, and beyond. 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 offer innovative perks and benefits packages that include:
- Flexible paid time off & generous PTO accrual plans
- Comprehensive medical, dental, vision, and other insurances
- FSA & HSA plans for medical and dependent care
- Home office set-up allowance
- Internet stipend
- Retirement plan match for 401k and RRSP
- Gender-neutral paid parental leave, and more!
(The benefits and total compensation packages outlined above are for full-time employees; some exclusions apply for temporary positions.)
At Trustly, we embrace and celebrate diversity of all forms and the value it brings to our employees and customers. 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. All decisions regarding hiring, advancement, and any other aspects of employment are made solely on the basis of qualifications, merit, and business need.
Responsibilities
- Write and merge production code for critical payment platform changes, reference implementations, contract tests, and complex fixes.
- Own versioned contracts and CI tests across payments, bank connectivity, risk, and merchant-facing APIs.
- Build cross-domain changes and transition them to owning teams.
- Lead technical responses to cross-domain P0 and P1 incidents.
- Run peak-event readiness, including load tests, failure drills, and capacity planning.
- Lead the US Platform squad and set platform priorities across payments, bank connectivity, and infrastructure.
Qualifications
- Typically 15+ years of software engineering experience with principal-level scope across multiple teams.
- Designed, built, and operated payment, banking, or ledger systems at scale.
- Able to set technical direction through production code and clear writing.
- Strong product judgment and ability to make platform trade-offs with business and product leaders.
- Deep distributed systems expertise, including consistency, idempotency, concurrency, and failure handling.
- Practical current use of AI in engineering, with sound judgment about its limits in regulated systems.
- Experience with ACH, RTP, FedNow, open banking, or unifying platforms across regions is a plus.
Benefits
- Flexible paid time off and generous PTO accrual plans
- Medical, dental, vision, and other insurance
- FSA and HSA plans
- Home office setup allowance
- Internet stipend
- 401(k) and RRSP retirement plan match
- Gender-neutral paid parental leave
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.