Software Engineer

Join to apply for the Software Engineer - Security role at Modern Treasury. This role is based out of San Francisco, New York, or remote. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Base Pay Range $180,000.00/yr - $240,000.00/yr Overview Modern Treasury’s mission is to build the most trusted financial infrastructure for global money movement. We’re looking for a Security Engineer to design and strengthen the controls that protect our payment infrastructure. You’ll enable teams to build secure, compliant financial products without slowing development. Modern Treasury is expanding deeper into money movement. We’re building new products that will let customers move funds across both traditional rails and emerging technologies, including stablecoins. You’ll help design and operate the security controls that make this possible and set the foundation for compliant, programmable money movement at scale. About The Role This role focuses on application and product security, and sits at the intersection of security, platform, payments engineering, and infrastructure. You’ll shape how Modern Treasury manages risk at scale and design the systems that make programmatic, compliant money movement possible. We are looking for someone who can influence security strategy and architectural design. Your work will ensure that as we grow into new products and payment rails, we continue to move fast while keeping trust, compliance, and safety at the core of our platform. What You’ll Do Lead application security across our payment platform, including secure code review, threat modeling, and security architecture for new products Own product security for new payment rails, including FBO account structures, stablecoin integration, and enhanced compliance features Design and implement fraud detection and prevention systems as we expand money movement capabilities Partner with engineering teams to embed security into the development lifecycle through automation, secure design patterns, and security champions Drive security architecture decisions for customer-facing APIs, authentication systems, and data protection controls Build monitoring and detection capabilities for application-layer threats, API abuse, and fraud patterns Design automation, monitoring, and remediation practices that keep our systems resilient and trustworthy Collaborate with Compliance and Legal to ensure product features meet regulatory requirements (BSA/AML, KYC/KYB, state money transmission) Influence technical strategy across Product, Platform, and Infrastructure teams on security and risk management Required Experience 7+ years in security engineering, with 3+ years focused on application and product security 2+ years in payments or fintech, with a deep understanding of money movement security challenges Strong experience with: full-stack application security (frontend, backend, APIs); authentication and authorization systems and identity management; fraud detection, prevention, and abuse mitigation in payment or financial products; secure SDLC practices and developer security tooling Experience with incident response and security monitoring Payments engineering experience, ideally including fraud prevention and risk controls in money movement systems Familiarity with compliance and regulatory standards for money movement, such as PCI DSS, BSA/AML, and KYC/KYB What Sets You Apart Deep understanding of payment processing security across ACH, wires, card networks, and emerging rails Experience building controls for fraud detection, chargeback prevention, and abuse mitigation in payment systems Knowledge of application security for Ruby on Rails, GraphQL, JavaScript, React, and containerized environments Experience with stablecoin security, blockchain integrations, or crypto payment rails Data-driven approach to prioritizing security investments and mitigating risk Track record of balancing pragmatic risk management with business velocity Demonstrated ability to lead security initiatives across multiple teams without direct authority Experience setting security standards, influencing engineering culture at a company-wide level, and mentoring engineers to raise the security bar across the organization Technologies We Use Ruby on Rails for our backend framework React, GraphQL, and Tailwind CSS on the front end Postgres for our database AWS for infrastructure and hosting Docker for containerization GitHub for source code management Buildkite for continuous integration RegTech and anti-fraud platforms About Modern Treasury Modern Treasury is the operating system for money movement. Our payments platform combines a suite of APIs and dashboards to help companies unlock new payments revenue, strengthen customer experiences, and drive efficiency through their business. Our end-to-end platform moves enterprises forward with faster payments, efficient workflows, full data visibility. Equal Employment Opportunity Modern Treasury is committed to equal employment opportunity and does not discriminate in any employment opportunities or practices based on an individual's race, color, creed, gender (including gender identity and gender expression), religion, marital status, age, national origin or ancestry, natural hair, physical or mental disability, political affiliation, medical condition, genetic information, sexual orientation, military and veteran status or any other consideration made unlawful by federal, state, or local laws. Modern Treasury participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. #J-18808-Ljbffr