Principal Software Engineer, AMER Payments

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.