Senior Software Engineer Digital Assets (Consumer Banking)
Experience Level
5 10 years of professional software engineering experience
3+ years delivering production-grade digital asset or blockchain-enabled financial systems in regulated environments
Role Summary
We are seeking a Senior Software Engineer Digital Assets to help design, build, and operate consumer-facing digital asset capabilities within a US-regulated consumer bank. This role will focus on integrating stablecoins, tokenized deposits, and digital asset accounts into existing banking, payments, and ledger platforms, while meeting stringent regulatory, security, and resiliency requirements.
The ideal candidate has hands-on experience with stablecoin ecosystems and custody providers (Coinbase, Ripple, Paxos, Fireblocks, Stablecore) and understands how to safely introduce blockchain-based value transfer into a consumer banking context.
Key Responsibilities
Consumer Digital Asset Platform Engineering
Design and build bank-grade digital asset account capabilities supporting:
Stablecoins (e.g., USDC, bank-issued or regulated stablecoins)
Tokenized deposits representing on-chain claims on bank liabilities
Consumer digital wallets integrated with existing deposit accounts
Implement consumer-grade transaction flows, including:
Purchase, transfer, redemption, and settlement of digital assets
Real-time balance visibility and transaction status
Ensure clear segregation of customer assets, bank assets, and omnibus accounts.
Integration with Coin Providers & Networks
Lead secure integrations with regulated coin providers and blockchain networks, including:
Coinbase (Prime, Exchange, Wallet APIs for liquidity and execution)
Ripple (XRPL-based payments and settlement use cases)
Paxos (regulated stablecoin issuance, custody, and settlement)
Design systems to manage:
Blockchain transaction lifecycle, confirmations, and reversals
Liquidity management i.e. digital asset to Fiat currency conversion
Custody, Middleware & Key Management
Integrate with enterprise-grade custody and orchestration platforms, including:
Fireblocks (MPC wallets, policy-based approvals, transaction signing)
Stablecore (digital asset orchestration, account abstraction)
Implement segregated custody models aligned with consumer banking regulations.
Support hot, warm, and cold wallet strategies with clear operational controls.
Regulatory, Risk & Compliance Alignment
Embed regulatory and consumer protection requirements into system design:
AML/KYC enforcement and sanctions screening
Transaction monitoring and suspicious activity reporting support
Auditability and immutable transaction records
Partner with Risk, Compliance, Legal, and Audit teams to:
Meet OCC, Federal Reserve, FDIC, and state-level regulatory expectations
Support model validation, control testing, and regulatory exams
Ensure alignment with GLBA, FFIEC, and data privacy requirements.
Integration with Core Banking & Payments
Integrate digital asset systems with:
Core banking platforms (deposits, general ledger, customer profiles)
Payment rails (ACH, Wire, RTP, FedNow where applicable)
Design on-chain/off-chain reconciliation and end-of-day settlement processes.
Ensure double-entry accounting integrity across fiat and digital asset ledgers.
Architecture, Resiliency & Operations ( Preferred )
Design high-availability, resilient architectures meeting consumer banking SLAs.
Implement:
Active-active deployments
Disaster recovery and business continuity plans
Observability, alerting, and incident response tooling
Participate in production on-call rotations and root cause analysis.
Required Technical Skills
Backend & Platform Engineering
Strong experience in one or more of:
Java
Node.js / TypeScript
Proven experience building secure, scalable APIs and microservices.
Event-driven systems using messaging platforms (Kafka, Pub/Sub, etc.).
Digital Assets & Blockchain
Hands-on experience with:
Stablecoins and tokenized money instruments
Blockchain networks (Ethereum, XRPL, or similar)
Transaction signing, fee estimation, and confirmation handling
Understanding of on-chain vs off-chain accounting models in regulated finance.
Custody & Third-Party Platforms
Direct experience integrating with:
Fireblocks
Stablecore
Coinbase, Paxos, Ripple
Strong understanding of vendor risk management and third-party controls.
Cloud & DevOps
Cloud-native development on AWS or Azure (preferred for US banks).
Containerization and orchestration: Docker, Kubernetes.
CI/CD pipelines with strong security controls and separation of duties.
Infrastructure as Code (Terraform, ARM, CloudFormation).
Banking & Financial Domain Expertise
Strong understanding of:
Consumer deposits and account structures
General ledger and sub-ledger reconciliation
Payments, settlement, and liquidity management
Experience operating systems subject to:
Regulatory exams
Audit findings and remediation
Model and control validation processes
Nice-to-Have Qualifications
Experience launching consumer-facing digital asset products at a US bank.
Familiarity with:
FedNow, RTP, ACH, and Wire integrations
Bank-issued stablecoins or tokenized deposits
Exposure to:
OCC crypto interpretive letters
Travel Rule implementation in a banking context
Prior experience in cloud modernization of legacy banking systems.
Soft Skills & Attributes
Strong sense of engineering rigor and risk awareness.
Ability to explain complex digital asset concepts to non-technical stakeholders.
Comfortable navigating regulatory ambiguity with pragmatic solutions.
High ownership, attention to detail, and commitment to customer trust.
Career Level
Senior Software Engineer (Digital Assets)
Potential growth path to Staff / Lead Engineer Digital Assets & Payments
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