Example Company
Software engineer
- Location
- San Francisco
- Type
- Full time
- Compensation
- $150k-$200k
- Posted
- 2 days ago
Join a team building useful software. Work closely with engineering and design to turn new ideas into products.
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Product Lead, Banking Infrastructure
- Location
- New York
- Type
- Full time
- Posted
- 2H AGO
About the role
Mural is financial infrastructure for businesses and agents. We're the compliant system of record that fintechs and platforms build on to move, store, and grow money for their customers. That means flexible account provisioning, payments in and out over ACH, wire, and local rails in 20+ countries, and conversion between dollars, stablecoins, and local currencies. We handle the licenses, the bank relationships, and the payment rails. The account is yours. The complexity is ours.
Since our API launched in 2025, we've processed $2.1 billion in payment volume across 128 countries, and this year's volume is already nearly six times last year's. Customers include Deel, Opera, Axexo, and more. We've raised $28 million, including a $15 million Series A led by Tether. Mural is a licensed money transmitter and SOC 2 Type 2. We're also an AI-native company: agentic tools are how we build, operate, and scale.
The Role
Every dollar on Mural sits at a U.S. partner bank and moves on a U.S. rail. A customer that makes Mural its system of record is also trusting the bank programs underneath: whose name the account is in, how fast a wire lands, and whether our ledger matches the bank to the cent at the end of every day. That foundation is this job.
You'll be Mural's first Product Lead for Banking Infrastructure, reporting to our COO and CTO. You'll own our U.S. partner-bank programs end to end:
the relationships with each bank
the products we build with them
the rails that run through them
the calls on where we invest next
You'll decide when a customer gets a dedicated deposit account in its own name and when it runs on an FBO sub-ledger. You'll decide how our ledger reconciles against every bank, and what each new program needs before it goes live. You'll work with our compliance team as a partner, not a gate: bank requirements become product requirements, and you translate them.
Your first mandate is to turn them into the best banking infrastructure a fintech can build on. As our licensing roadmap grows, this seat will also lead the call on going direct to rails in Europe, LATAM, and beyond.
This is founding product. You form your own thesis, pressure-test ours, and then execute. It is not a write-tickets-and-groom-backlogs role:
You'll talk to customers and bank partners constantly. Weekly at minimum, often daily.
You'll prototype your own ideas. Working demos, not decks.
You'll work AI-natively. Agentic development is how this company operates, and we'll ask you to show us how you already build this way.
You'll contribute code. You'll read the codebase, prototype against it, and ship.
What You'll Do
Own our partner-bank programs. Be the product owner for every partner bank, covering program design, onboarding, launch, and the ongoing relationship. Set what we build with each bank and where we add redundancy, so that no single bank is a single point of failure.
Launch new bank programs. Take a new partner from signed agreement to live accounts: diligence, integration, flow of funds, testing, and go-live. Then turn it into a playbook so the next one is faster.
Own the account model. Decide when a customer gets a dedicated deposit account (DDA) and when it runs on an FBO sub-ledger. Build the product so that either one feels like a single Mural Account.
Own the U.S. rails. ACH, wire, and book transfers today, plus the call on whether and when we add instant payments like RTP and FedNow. Design for returns, cutoffs, holidays, and exceptions before they happen.
Own the ledger and reconciliation. Every balance on Mural reconciles to the bank to the cent, every day. You'll own the product for ledgering, reconciliation, and resolving mismatches, and push all of it toward automation compliantly.
Turn bank and compliance requirements into product. Partner banks come with program requirements, oversight, and exams. Work with our compliance team so we meet them in the product, not in spreadsheets.
Decide where we invest. Build the thesis for our banking infrastructure: which partners, which rails, which products, and what we build versus buy. Include how our licenses give us leverage, and bring it to leadership with numbers.
Who You Are
4+ years across engineering and product, including time as a professional software engineer. You've shipped production code. We'll flex on tenure for someone who has built something exceptional and has the results to prove it.
You've built on partner banks. You've owned a sponsor-bank or banking-as-a-service program, or worked deep inside one: FBO structures, DDAs, ACH and wire operations, ledgering, reconciliation. You know how an ACH return, a wire cutoff, and a mismatch between our ledger and the bank behave in production.
You speak bank. You can sit across from a partner bank's BSA officer or treasury team and come back with a product plan. You treat compliance as a design constraint, not a blocker.
AI-native builder. You use agentic tools daily to prototype, analyze, and ship.
Opinionated and visionary. You form a thesis, defend it against the founders, and change your mind on evidence.
Customer-obsessed. When you're unsure, your instinct is to go talk to five customers, not to schedule a meeting about it.
Built for ambiguity. You'll create our product processes from scratch, inside a regulated, high-stakes domain.
What Success Looks Like
Every bank program we run is live, healthy, and redundant. Adding a new partner bank is a repeatable playbook that takes weeks, not quarters.
Customers choose Mural for its accounts: the right structure for each customer, with balances growing on it.
Our ledger reconciles to every bank daily, with close to zero manual fixes.
Our partner banks and compliance team see Mural as one of the best-run programs they oversee.
Leadership has a clear, numbers-backed thesis from you on where Mural's banking infrastructure goes next, including international.
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