[All remote jobs](https://jobicy.com/jobs.md)[![Pleo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/b27fbed2-221.jpg)](https://jobicy.com/company/pleo.md)[Pleo](https://jobicy.com/company/pleo.md) # Senior Backend Engineer – Payments AI Summary Pleo is hiring a Senior Backend Engineer for its Bank Infrastructure team to build and operate payment rails for inbound, outbound, and internal money movement. The role focuses on reliable integrations with banks and payment partners across schemes such as SEPA, Faster Payments, and SWIFT. The engineer will own correctness, reconciliation, settlement, resilience, observability, and incident recovery for critical distributed payment systems. Strong Kotlin or Java, microservices, PostgreSQL, AWS, Kubernetes, and payment-domain experience are central to the position. The role also includes technical leadership, mentorship, cross-functional collaboration, and effective use of AI-assisted engineering tools.[Apply for this job](#job-application)[View company](https://jobicy.com/company/pleo.md)ShareRemote from[UK](https://jobicy.com/job-region/uk.md), [Spain](https://jobicy.com/job-region/spain.md), [Germany](https://jobicy.com/job-region/germany.md)+4 more, [Netherlands](https://jobicy.com/job-region/netherlands.md), [Portugal](https://jobicy.com/job-region/portugal.md), [Sweden](https://jobicy.com/job-region/sweden.md), [Denmark](https://jobicy.com/job-region/denmark.md)SalaryUndisclosedDepartment[Software Engineering](https://jobicy.com/categories/engineering.md)EmploymentFull TimeExperienceSeniorPublished4 Nov 2026Apply before4 Dec 2026Listing views23Application actions0Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. Opportunity details ## About this role. ### About Pleo Messy spend management is tricky business. And tedious processes are a lose-lose situation for all involved, not just finance. At Pleo, we’re changing that. We build spend solutions that make managing money seamless, empowering, and surprisingly effective for finance teams and employees alike – with a vision to help all businesses ‘go beyond’. The word ‘Pleo’ actually means ‘more than you’d expect’, and living by that mantra has been the secret to our success over the last 10 years. Now, we’re at a pivotal moment in our journey; every move we make has a direct impact on our 40,000+ customers, our business, and our collective success. We need people who take pride in uncovering customer needs, who turn complex problems into simple solutions, challenge the way things are done (respectfully), and always aim high. With great ambitions driving us forward, we can’t say we’ve got this whole thing figured out. And frankly, that’s half the fun! What we can say is that we’re a driven, progressive, and, importantly, a kind bunch of 850+ people from over 100 nationalities, all committed to delivering the future of business spending, together. ### About the role We’re looking for a Senior Backend Engineer to join our Bank Infrastructure team at Pleo. This team builds and maintains the payment rails that power Pleo’s money movement, integrating with banks and payment partners to handle inbound and outbound bank transfers reliably and at scale. You’ll be working on some of the most critical systems at Pleo: the infrastructure that guarantees that each financial transaction, whether incoming, outgoing, or internal, is processed and settled with absolute accuracy, on time, and with the resilience to recover gracefully when things go wrong. If you’re excited by the challenge of building highly reliable financial systems and want to work in a culture that values transparency, collaboration, and engineering excellence, this role is for you. ### What you’ll be doing As a Senior Backend Engineer on Bank Infrastructure, you will: * Design, build, and maintain integrations with banks and payment partners across multiple payment schemes (SEPA, Faster Payments, SWIFT, and others). * Own the reliability and correctness of inbound and outbound payment flows, including reconciliation, settlement, and exception handling. * Architect systems that are resilient to partner outages, network failures, and edge cases inherent in financial messaging. * Lead initiatives to improve system observability, fault tolerance, and operational excellence across payment rails. * Collaborate with cross-functional teams, including compliance, finance operations, and product to evolve Pleo’s payment capabilities. * Participate in code reviews, post-mortems, and provide mentorship to other engineers. * Proactively address technical debt and guide the team through technical challenges and migrations. ### What you bring You’ll thrive in this role if you have: * Hands-on experience building payment integrations, bank APIs, payment scheme integrations, or financial messaging formats (ISO 20022, SWIFT, SEPA, Faster Payments, or similar). * Strong understanding of payment flows end-to-end: payment initiation, routing, reconciliation, settlement, and exception/failure handling. * Experience designing and operating highly available, resilient distributed systems with robust error recovery and observability. * Expertise in server-side development, ideally Kotlin or Java, with strong experience in microservices and distributed systems. * Proficiency with relational databases (PostgreSQL), cloud environments (AWS, Kubernetes), and observability tooling (e.g. Grafana). * Awareness of payment compliance and regulatory considerations (e.g. AML, sanctions screening, PSD2) is a plus. * Understanding of safeguarding of customer funds and the impact of money movement pipelines. * Strong problem-solving skills and experience owning production payment systems through incidents and operational complexity. * High proficiency with AI-enhanced development tools (such as GitHub Copilot or Claude) as integrated partners for system design, documentation, and code generation. * Willingness to deepen your AI fluency as Pleo scales AI adoption across engineering. We’re building a culture where thoughtful AI use for delivery velocity and quality. * Proven ability to structure complex engineering problems for AI collaboration, including writing precise specifications, validating generated outputs, and iterative development. * A proactive drive to expand your AI fluency as we scale adoption to enhance delivery velocity and maintain high engineering quality across our organisation. * A collaborative mindset and the ability to mentor and upskill teammates. ### Who you’ll be working with and reporting to You’ll report to the Engineering Manager for Bank Infrastructure and work closely with cross-functional teams spanning product, finance operations, compliance, and other engineering squads within Pleo’s Payments organisation. Bank Infrastructure is foundational to nearly everything Pleo does, your work will have direct dependencies with and from Card Infrastructure, Credit, and beyond. You’ll collaborate with partners across the business to shape how Pleo moves money reliably at scale. ### How you’ll develop in this role In your first six months at Pleo, you’ll: * Get deep into Pleo’s payment rail architecture, understanding how inbound and outbound bank payment flows are built, monitored, and operated. * Take ownership of meaningful initiatives in the bank integration or payment operations domain and drive them from design to production. * Build relationships across the engineering organisation, contributing to code reviews and technical discussions beyond your immediate team. * Grow your expertise in high-reliability, mission-critical financial infrastructure while contributing to Pleo’s broader engineering culture. We’re committed to supporting your growth, whether through expanding your payment systems expertise, stepping into broader architectural influence, or taking on technical leadership responsibilities as Pleo scales. ### Show me the benefits! 💳 Your own Pleo card (no more out-of-pocket spending!) 🍜 Lunch is on us for your work days – enjoy catered meals or receive a lunch allowance based on your local office 🏥 Comprehensive private healthcare – depending on your location, coverage options include Vitality, Alan or Médis 🌴 We offer 25 days of holiday + your public holidays 🏠 For our Team, we offer both hybrid and fully remote working options 🏖️ Option to purchase 5 additional days of holiday through a salary sacrifice ❤️‍🩹 We use MyndUp to give our employees access to free mental health and well-being support with great success so far 👶 Paid parental leave – we want to make sure that we’re supportive of families and help you feel that you don’t have to compromise your family due to work ### The interview process We want to ensure you are set-up for success and understand what will be expected of you. If your application is successful, our interview process is as follows: * Intro call: A 30-minute chat with our Talent Partner to discuss the role and your background. * Coding Interview (Multiple choice) * System Design (whiteboarding session) * Engineering Mananeer Behavioural Interview Transparency is important to us so we also wanted to share some insights about what we’re looking for in applications to ensure you can set yourself up for success! Last time we hired this role, we received hundreds of applicants but could only speak with so many. Some of the key reasons why previous candidates didn’t make it past the application screening stage include: * CV writing and content: we receive a lot of CVs, and many of them are AI-generated. We love seeing people leverage AI—it’s a big focus for us internally too—but without human intervention, these CVs can sometimes become generic and fail to show a candidate in the best light. What we’re really looking for is the specific details of real impact that only you know from your previous experience. A top tip from us is to use the “Achieved X, as measured by Y, by doing Z” formula (credit: Laszlo Bock, ~2014) to give a really clear picture of what you’ve worked on. A final note: including links to your previous companies’ websites is a huge help and allows us to truly understand your background! * Application care: every single application we receive is reviewed by a human (yes, hundreds of them) because we believe that candidates’ efforts should be matched by an equal level of human care. This means that we expect a similar level of attention put into your application. Read and answer the application questions carefully, they make a huge difference in our decision-making process. * Profile to role fit: highlight most important aspects of the role, points that might get misunderstood, any specific industry requirements etc. ### About your application * English first. Since it’s our company language, please submit your application in English. You’ll be using it a lot if you join us. * A fair look for everyone. Our talent team reads every single application to ensure the process is fair. To keep things running smoothly, we only accept applications through our system—our support team can’t pass on calls or emails. * Diversity drives us. We can only reach our goals if our team reflects the world around us. That starts with you hitting apply, even if you don’t tick every single box. We encourage people from all backgrounds and experiences to join us. * Interview at your best. We want you to feel comfortable throughout the process. If you have any accessibility requirements or need a specific format, email belonging@pleo.io. We’ll design a process that works for you. * Your data is safe. When you apply, we process your personal data as a data processor. For more information on how Pleo processes personal data, read our Privacy Policy [here](https://www.pleo.io/en/legal). * Applying for multiple roles? Nothing is stopping you, and we assess every role independently. However, we do look for alignment, so make sure you can explain why your interest and experience are right for each specific role. * Reapplying. If you’re applying for the same role again, please wait six months from your last decision before hitting submit. Show more [Apply now >](https://jobicy.com/jobs/159010-senior-backend-engineer-payments-2.md) > Annual salary information is not provided for this position. Explore salary ranges for similar roles in our [Salary Directory ›](https://jobicy.com/salaries.md) * ![Upload CV](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2NSIgaGVpZ2h0PSI2NSIgZmlsbD0ibm9uZSIgeG1sbnM6dj0iaHR0cHM6Ly92ZWN0YS5pby9uYW5vIj48ZyBjbGlwLXBhdGg9InVybCgjQSkiPjxwYXRoIGQ9Ik0wIDBINjVWNjVIMFYwWiIgZmlsbD0iIzAyOWFlYiIvPjxnIGZpbGw9IiNmZmYiIHN0cm9rZT0iI2ZmZiIgc3Ryb2tlLXdpZHRoPSIyIj48cGF0aCBkPSJNMzMuMDQ5IDE1LjQ1NGExLjQzIDEuNDMgMCAwIDAtMi4wOTcgMGwtNy41NzkgOC4xNDdhMS4zOCAxLjM4IDAgMCAwIC4wOSAxLjk3MyAxLjQ0IDEuNDQgMCAwIDAgMi4wMDgtLjA4OGw1LjEwOS01LjQ5MnYyMC42MWExLjQxIDEuNDEgMCAwIDAgMS40MjEgMS4zOTdjLjc4NSAwIDEuNDIxLS42MjUgMS40MjEtMS4zOTd2LTIwLjYxbDUuMTA5IDUuNDkyYTEuNDQgMS40NCAwIDAgMCAyLjAwOC4wODggMS4zOCAxLjM4IDAgMCAwIC4wOS0xLjk3M2wtNy41NzktOC4xNDZ6TTE2Ljc2OSAzOC40YzAtLjc3My0uNjItMS40LTEuMzg1LTEuNFMxNCAzNy42MjcgMTQgMzguNHYuMTAybC4yMTUgNi4yMjljLjIyMyAxLjY4LjcwMSAzLjA5NSAxLjgxMyA0LjIxOHMyLjUxIDEuNjA3IDQuMTcyIDEuODMzYzEuNi4yMTggMy42MzYuMjE4IDYuMTYuMjE4aDExLjI4bDYuMTYtLjIxOGMxLjY2Mi0uMjI2IDMuMDYxLS43MDkgNC4xNzItMS44MzNzMS41ODktMi41MzggMS44MTMtNC4yMThDNTAgNDMuMTEzIDUwIDQxLjA1NSA1MCAzOC41MDNWMzguNGMwLS43NzMtLjYyLTEuNC0xLjM4NS0xLjRzLTEuMzg1LjYyNy0xLjM4NSAxLjRsLS4xOSA1Ljk1OGMtLjE4MiAxLjM3LS41MTUgMi4wOTUtMS4wMjYgMi42MTJzLTEuMjI4Ljg1My0yLjU4MyAxLjAzOGMtMS4zOTUuMTktMy4yNDMuMTkzLTUuODkzLjE5M0gyNi40NjJjLTIuNjUgMC00LjQ5OC0uMDAzLTUuODkzLS4xOTMtMS4zNTUtLjE4NC0yLjA3Mi0uNTIxLTIuNTgzLTEuMDM4cy0uODQ0LTEuMjQyLTEuMDI2LTIuNjEyYy0uMTg3LTEuNDEtLjE5MS0zLjI3OS0uMTkxLTUuOTU4eiIvPjwvZz48L2c+PGRlZnM+PGNsaXBQYXRoIGlkPSJBIj48cGF0aCBmaWxsPSIjZmZmIiBkPSJNMCAwaDY1djY1SDB6Ii8+PC9jbGlwUGF0aD48L2RlZnM+PC9zdmc+) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 4/5IndependentCollaborative AI insightThis is a senior, high-stakes financial-infrastructure role where defects can affect payment settlement, reconciliation, and customer funds. It requires deep distributed-systems expertise, operational ownership, and knowledge of payment integrations and failure modes. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job median (per year)Market rate$155,000US market range (per year)$130k–$185k0$203.50k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. No employer salary was disclosed. The annual figures are estimated USD market compensation for a senior backend engineer specializing in payments infrastructure; the yearly cadence is inferred from the full-time senior professional role. ## Core skills Skills and capabilities most closely associated with this opportunity. [Payment integrations](https://jobicy.com/jobs?search_keywords=Payment%20integrations.md)[Bank APIs](https://jobicy.com/jobs?search_keywords=Bank%20APIs.md)[SEPA](https://jobicy.com/jobs?search_keywords=SEPA.md)[SWIFT](https://jobicy.com/jobs?search_keywords=SWIFT.md)[ISO 20022](https://jobicy.com/jobs?search_keywords=ISO%2020022.md)[Kotlin](https://jobicy.com/jobs?search_keywords=Kotlin.md)[Java](https://jobicy.com/jobs?search_keywords=Java.md)[Microservices](https://jobicy.com/jobs?search_keywords=Microservices.md)[Distributed systems](https://jobicy.com/jobs?search_keywords=Distributed%20systems.md)[PostgreSQL](https://jobicy.com/jobs?search_keywords=PostgreSQL.md)[AWS](https://jobicy.com/jobs?search_keywords=AWS.md)[Kubernetes](https://jobicy.com/jobs?search_keywords=Kubernetes.md)[Grafana](https://jobicy.com/jobs?search_keywords=Grafana.md)[Payment reconciliation](https://jobicy.com/jobs?search_keywords=Payment%20reconciliation.md)[System observability](https://jobicy.com/jobs?search_keywords=System%20observability.md) Sample interview questionsHow would you design a bank-transfer integration that remains reliable during a partner API outage?I would use durable command persistence, idempotency keys, asynchronous retries with exponential backoff, circuit breakers, and a clear state machine for transfer lifecycle events. I would reconcile our internal ledger against partner acknowledgements and statements, alert on aged or ambiguous states, and provide safe operational tooling for exception handling. What is your approach to ensuring correctness in payment reconciliation? I model payment states explicitly and maintain immutable, auditable records for initiation, status updates, settlement, reversals, and fees. Reconciliation compares internal ledger entries with bank or scheme records, identifies unmatched items deterministically, and routes exceptions through controlled workflows with full traceability. Describe how you would make a distributed payment service observable. I would implement structured logs, metrics, traces, and correlation IDs that follow a payment across services and external partners. Key signals would include initiation-to-settlement latency, error rates by partner and scheme, retry volume, queue depth, reconciliation breaks, and counts of payments in each lifecycle state. How do you handle idempotency for payment initiation? I require a stable client or business idempotency key and persist it with the intended payment payload before making any external call. Repeated requests return the original result, while payload mismatches for the same key are rejected; downstream calls also use a provider-supported idempotency mechanism where available. How would you use AI-assisted development tools responsibly in a regulated payments environment? I would use them to accelerate design exploration, documentation, test generation, and routine implementation, but would not treat generated output as authoritative. I would provide precise context, avoid exposing sensitive data, validate designs against domain controls, apply standard review and testing practices, and document important decisions and assumptions. Next step ## Apply now. Follow the employer’s application method and review Jobicy’s safety guidance before sharing personal information. Keep exploring ## Related remote jobs. * ![NetBox Labs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/df239a55-221.png) NetBox Labs Nov 4 New ### [Staff Software Engineer, Tech Lead – NetBox Delivery](https://jobicy.com/jobs/159008-staff-software-engineer-tech-lead-netbox-delivery.md) NetBox Labs is seeking a Staff Software Engineer and Tech Lead for NetBox Delivery, a new team in our Applications group. NetBox is a product that reaches people in a… * ![Enumerate logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/6e6da5ac-221.png) Enumerate Nov 4 New ### [Tech Lead](https://jobicy.com/jobs/159001-tech-lead.md) The Tech Lead is responsible for translating product ideas and data science capabilities into production-ready AI solutions. This role partners closely with Product Management and the Data Science Leader to… * ![Enumerate logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/6e6da5ac-221.png) Enumerate Nov 4 New ### [Full Stack Developer](https://jobicy.com/jobs/158997-full-stack-developer.md) Enumerate is hiring a Full Stack Engineer to join our team! This is a highly hands-on role for engineers who thrive in product-driven environments, move quickly, and are comfortable working… * ![Mozilla logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2020/10/mozilla.jpg) Mozilla Nov 4 New ### [Staff Software Engineer, Tools & Systems](https://jobicy.com/jobs/158995-staff-software-engineer-tools-systems.md) Why Mozilla? Mozilla Corporation is the non-profit-backed technology company that has shaped the internet for the better over the last 25 years. We make pioneering brands like Firefox, the privacy-minded… * ![Mozilla logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2020/10/mozilla.jpg) Mozilla Nov 4 New ### [Staff Software Engineer, Firefox Enterprise](https://jobicy.com/jobs/158985-staff-software-engineer-firefox-enterprise.md) Why Mozilla? Mozilla Corporation is the non-profit-backed technology company that has shaped the internet for the better over the last 25 years. We make pioneering brands like Firefox, the privacy-minded… * ![Welo Global logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/06/83c40f94-221.webp) Welo Global Nov 4 New ### [English to Maltese Review Lead for UI, Marketing & Product Content](https://jobicy.com/jobs/158982-english-to-maltese-review-lead-for-ui-marketing-product-content.md) About Welo Global Welo Global is a leader in multilingual AI, technology, and content solutions serving over 2,000 clients in 300 languages. The company combines globally scaled multilingual infrastructure, including… * ![Welo Global logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/06/83c40f94-221.webp) Welo Global Nov 4 New ### [English to Lao Review Lead for UI, Marketing & Product Content](https://jobicy.com/jobs/158980-english-to-lao-review-lead-for-ui-marketing-product-content.md) About Welo Global Welo Global is a leader in multilingual AI, technology, and content solutions serving over 2,000 clients in 300 languages. The company combines globally scaled multilingual infrastructure, including… * ![Welo Global logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2026/06/83c40f94-221.webp) Welo Global Nov 4 New ### [English to Kyrgyz Review Lead for UI, Marketing & Product Content](https://jobicy.com/jobs/158978-english-to-kyrgyz-review-lead-for-ui-marketing-product-content.md) About Welo Global Welo Global is a leader in multilingual AI, technology, and content solutions serving over 2,000 clients in 300 languages. The company combines globally scaled multilingual infrastructure, including… * ![Flex logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/7bfdefe3-221.jpeg) Flex Nov 4 New ### [Senior Software Engineer, Backend](https://jobicy.com/jobs/158960-senior-software-engineer-backend-2.md) Flex is building the AI-native private bank for business owners. We’re re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves,… * ![Canonical logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/b4d068a9-221-1.png) Canonical Nov 4 New ### [Python Software Engineer – Ubuntu Hardware Certification Team](https://jobicy.com/jobs/158954-python-software-engineer-ubuntu-hardware-certification-team.md) Canonical is hiring a Python Software Engineer to join the Certification team, who make the tools which enable us to know that a desktop, laptop, server or IoT device is… [Browse all jobs](https://jobicy.com/jobs.md)