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Who we are:

Shape a brighter financial future with us.

Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The role

We are looking for a Staff Backend Engineer to help build the next generation of SoFi's digital asset custody platform. This engineer will design and develop the core services that power secure custody, blockchain transaction processing, wallet infrastructure, and institutional digital asset products.

This role sits at the center of crypto infrastructure, working closely with Security, Platform Engineering, Product, Treasury, and Operations to build highly available systems responsible for protecting customer assets.

The ideal candidate enjoys solving distributed systems problems, designing resilient APIs, and building financial infrastructure where security and reliability are first-class requirements.

What you’ll do:

• Design and build backend services supporting SoFi's digital asset custody platform
• Develop secure transaction orchestration services for deposits, withdrawals, transfers, staking, and treasury operations
• Build integrations with custody providers, blockchain infrastructure, and institutional settlement networks
• Design APIs supporting retail and institutional crypto products
• Develop services supporting wallet lifecycle management and blockchain interactions
• Improve platform resiliency through redundancy, disaster recovery, observability, and automated recovery mechanisms
• Optimize transaction throughput while maintaining strict security controls
• Build scalable event-driven architectures supporting blockchain state changes and transaction processing
• Partner closely with Security Engineering to implement cryptographic controls and authorization workflows
• Collaborate with Product and Infrastructure teams to deliver new digital asset capabilities

What you’ll need:

• 7+ years of backend software engineering experience
• Strong experience with applied cryptography, key management architectures (HSMs, KMS), or Multi-Party Computation (MPC) protocols.
• Proven experience building high-stakes financial transaction systems (e.g., trading engines, payment rails, digital asset wallets) with a zero-trust, security-first mindset.
• Strong understanding of blockchain fundamentals, transaction signing lifecycles, and wallet architecture.
• Strong experience with distributed systems and cloud-native architectures
• Experience building highly available production services
• Strong understanding of REST APIs, asynchronous messaging, and event-driven systems
• Experience with AWS or comparable cloud platforms
• Experience with PostgreSQL, Redis, Kafka, or similar technologies
• Strong understanding of CI/CD and modern software development practices
• Excellent debugging and production incident response skills

Nice to have:

• Experience working with digital assets or blockchain infrastructure
• Experience integrating with custody platforms such as Fireblocks, BitGo, or Anchorage
• Experience building financial services infrastructure
• Familiarity with blockchain transaction lifecycle and wallet architecture
• Experience designing secure approval workflows
• Understanding of distributed consensus and cryptographic systems
• Experience supporting institutional financial platforms

Compensation and Benefits The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.    To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page! SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law. The Company hires the best qualified candidate for the job, without regard to protected characteristics. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. New York applicants: Notice of Employee Rights SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com. We are unable to accommodate remote work from Hawaii, Alaska or Puerto Rico at this time. Internal Employees If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.