Full Stack Engineer

Who We Are

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

Responsibilities:

• Architect & Maintain: Lead the design, architecture, and enhancement of our LLM-based platform. You will be responsible for high-level technical decisions regarding the python or Node.js and React ecosystem.
• Technical Strategy & Collaboration: Work closely with product managers and stakeholders to translate business vision into scalable technical requirements. Lead cross-functional alignment between engineering teams.
• System Performance: Architect applications for extreme speed and reliability. Own the strategies for scaling to handle high traffic and complex real-time data processing.
• Security Leadership: Design and oversee robust authentication and authorization frameworks (Identity Server, OAuth2, OpenID Connect). Ensure the platform meets enterprise-grade security standards for data protection.
• Engineering Excellence: Set the standard for clean, maintainable, and testable code. Lead rigorous code reviews and establish "best practice" guidelines for the entire engineering team.
• Mentorship & Team Growth: Actively mentor junior and mid-level developers. Drive a culture of technical growth, peer learning, and collaborative problem-solving.
• AI Innovation: Stay at the bleeding edge of AI/LLM trends. Beyond application, you will evaluate and integrate emerging tools to enhance product intelligence.
• Operational Reliability: Lead the troubleshooting of complex, systemic issues across the stack. Implement proactive monitoring to ensure high availability.

Qualifications:

• Experience: 4+ years of professional software development experience, with a proven track record of leading complex full-stack projects.
• Front-End Leadership: Solid knowledge of React, modern JavaScript (ES6+), and state management patterns at scale.
• Backend & Architecture: Python or Node.js, Express.js, and designing scalable Microservices architectures.
• Database Mastery: Advanced experience with SQL and NoSQL databases, including performance tuning and schema design for high-load environments.
• AWS Infrastructure: Hands-on experience architecting on AWS (DynamoDB, S3, RDS, Lambda, and API Gateway). Knowledge of Infrastructure as Code (Terraform/CDK) is a plus.
• Process Excellence: Deep understanding of TDD, CI/CD pipelines, and Agile/Scrum leadership.
• Advanced Problem Solving: Ability to debug problems across distributed systems and optimize bottlenecks in real-time data flows.
• Soft Skills: Great communicator with the ability to influence technical direction and manage stakeholder expectations.
• LLM/AI experience: Professional experience or deep technical projects involving Large Language Models, Prompt Engineering, or RAG (Retrieval-Augmented Generation) workflows.

 

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Salary Range: $160,000.00 - $200,000.00