Senior Software Engineer, Banking Activities

Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn't work together.
So we expanded into software and started building integrated, omnichannel solutions - to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we've embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale
Today, we are a partner to sellers of all sizes - large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We're building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.
The Role
As a Senior Software Engineer on the Banking Activities, you will help build and operate Square's shared financial data platform for Banking. We standardize how accounts, balances, and transactions are modeled and reported across products like checking, savings, cards, and lending. We power customer-facing balances, transaction histories, and statements with a focus on accuracy, traceability, and low latency.
Our work includes real-time data ingestion, event-driven processing, and scalable APIs that unify money movement and reporting experiences. We partner closely with product, risk, compliance, and finance to ensure clarity and trust in how funds are represented. This is high-scale, reliability-critical engineering with an emphasis on strong distributed systems, pragmatic data modeling, and measurable impact on sellers.
You Will

• Solve ambiguous, high-risk, cross-team challenges in financial reporting and ledgering, working directly in code and driving solutions end-to-end across the Banking stack.
• Guide the long-term technical strategy for our reporting platform while contributing hands-on to real-time ingestion, balance computation, cross-account linkage, and metadata systems.
• Partner with engineering, product, risk, compliance, and finance to shape consistent, auditable experiences for balances, transactions, and statements.
• Raise the technical bar through design reviews and architectural guidance; author designs for event-driven pipelines, data models, and APIs; set high standards for correctness, reliability, observability, and extensibility.
• Mentor engineers to grow technical depth and leadership, fostering expertise in accounting fundamentals, distributed systems, and large-scale data quality.
• Build a best-in-class financial data platform with robust APIs, clear documentation, and responsive support that enable product teams to deliver cohesive, low-latency reporting while maintaining strong controls and auditability.

You Have

• 8+ years of backend engineering experience with proven organizational impact
• Expertise in Go, Ruby, or Kotlin with openness to learn others
• Proven track record of architecting and scaling high-reliability financial systems with high operational excellence, fault tolerance, and data integrity
• Strong mentorship, cross-team collaboration, and technical communication skills, with experience building trust across teams and functions
• Ability to decompose complex, ambiguous problems into maintainable solutions

Technologies We Use and Teach

• Services: Java, Kotlin, Go, Ruby on Rails
• Data: MySQL, DynamoDB, Kafka, SQS
• Infra: Protocol Buffers, Temporal, Terraform, Kubernetes, AWS

Block takes a market-based approach to pay, and pay may vary depending on your location. U.S. locations are categorized into one of four zones based on a cost of labor index for that geographic area. The successful candidate's starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. These ranges may be modified in the future.
To find a location's zone designation, please refer to this resource . If a location of interest is not listed, please speak with a recruiter for additional information.
Zone A:
$217,800 - $326,800 USD
Zone B:
$207,000 - $310,400 USD
Zone C:
$196,100 - $294,100 USD
Zone D:
$185,200 - $277,800 USD
Use of AI in Our Hiring Process
We may use automated AI tools to evaluate job applications for efficiency and consistency. These tools comply with local regulations, including bias audits, and we handle all personal data in accordance with state and local privacy laws.
Contact us at [email protected] with hiring practice or data usage questions.
Every benefit we offer is designed with one goal: empowering you to do the best work of your career while building the life you want. Remote work, medical insurance, flexible time off, retirement savings plans, and modern family planning are just some of our offering. Check out our other benefits at Block.
Block, Inc. (NYSE: XYZ) builds technology to increase access to the global economy. Each of our brands unlocks different aspects of the economy for more people. Square makes commerce and financial services accessible to sellers. Cash App is the easy way to spend, send, and store money. Afterpay is transforming the way customers manage their spending over time. TIDAL is a music platform that empowers artists to thrive as entrepreneurs. Bitkey is a simple self-custody wallet built for bitcoin. Proto is a suite of bitcoin mining products and services. Together, we're helping build a financial system that is open to everyone.