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Payoneer, founded in 2005, is a global financial platform serving over 2,500 colleagues and customers in 190+ countries. The company removes friction from cross-border business by simplifying global payments, compliance, multi-currency management, workforce solutions, and business intelligence.
You will serve as the senior technical individual contributor in the Customer Lifecycle Management (CLM) domain, which encompasses KYC (Know Your Customer), onboarding, licensing, and compliance systems. This is a hands-on technical leadership role where you shape architecture and engineering excellence through depth and influence rather than direct authority.
Key responsibilities include:
• Define and evolve the target architecture for CLM backend systems, maintaining alignment with an AI-driven KYC orchestration North Star across quarterly releases.
• Tackle ambiguous, high-stakes technical challenges spanning multiple crews, services, and domains across KYC, onboarding, licensing, and compliance.
• Establish patterns, standards, and best practices; raise the technical bar through design reviews, coding standards, and architectural guidance.
• Architect AI-enabled capabilities into the product, including LLM integration, RAG (Retrieval-Augmented Generation), agentic/multi-step workflows, and evaluation frameworks. Accelerate R&D through AI tooling, agents, and MCPs (Model Context Protocol).
• Lead the design of orchestrator/agent patterns, modular capability interfaces (OCR, authenticity verification, document comparison, online validation), and safe integration between cloud and on-premises services.
• Prototype and drive adoption of emerging technologies (MCP, agent-based architectures) where they deliver real business or engineering value.
• Modernize the domain toward cloud-native infrastructure (.NET, Kubernetes/AWS), service migration, observability, automated testing, and DevOps maturity.
• Mentor crew architects, team leads, and senior engineers; influence technical strategy across crews and organizational boundaries without relying on direct authority.
• Translate business, product, and regulatory requirements into sound, scalable designs; communicate clearly to engineering and product stakeholders.
• Remain hands-on in code and design—not just diagrams—as a trusted technical advisor to engineering and product leadership.
You will operate at the intersection of technology, architecture, and product, working on complex problems at global scale while shaping how a core regulated domain builds software in an increasingly AI-first world.
REQUIREMENTS:
• Extensive software development background with a proven track record of operating at senior IC / principal level, leading design across teams.
• Deep distributed-systems expertise: consistency, availability, fault tolerance, concurrency, distributed transactions, messaging, event-driven architecture (SAGA patterns, error tolerance, zero-data-loss concepts), and scale.
• Meaningful hands-on experience with a major cloud provider (AWS strongly preferred)—architecting and operating production workloads, including container orchestration (Kubernetes).
• Experience architecting AI-enabled systems: LLM integration patterns, RAG, agentic/multi-step workflows, evals, and AI-specific production concerns (latency, cost, fallback, hallucination control).
• AI-fluent with daily, hands-on use of AI coding tools; clear judgment on when to trust output vs. rewrite it. Beyond usage, you configure it (custom instructions, rules, MCPs, tools) and build workflows and skills, not just prompts.
• Proven ability to take ambiguous, complex problems and turn them into reliable, scalable production systems.
• Strong product mindset—able to balance technical excellence with business outcomes.
• Excellent communication and ability to influence engineering and product decisions across organizational boundaries; demonstrated mentorship of senior engineers, tech leads, and architects.
ADVANTAGES (not required):
• Financial services, fintech, or regulated-domain background (KYC/identity, compliance, licensing).
• Experience integrating cloud services with on-premises/enterprise systems via gateways or brokered connectivity.
• Hands-on backend experience with .NET/C# and/or TypeScript/Node.js.
• Big-data / NoSQL experience and familiarity with SQL Server.
