Software Engineer, Cloud Engineer - Software, Backend Developer

Modern Fi is hiring software engineers to join a talented and collaborative team building the foundation of our platform. You’ll work on critical systems from day one, with meaningful ownership and the opportunity to shape the direction of our products and infrastructure.

You will join a talented and collaborative team to design, build, and maintain foundational systems that power Modern Fi’s products and integrations. From day one, you’ll have significant ownership and the opportunity to shape the direction of our platform, engineering culture, and broader company trajectory.

We believe in hiring top talent and giving you the autonomy to build impactful solutions, while fostering a culture of collaboration and learning. You’ll grow your expertise, work on mission‑critical systems, and contribute to products that help banks and credit unions better serve their communities, improving financial health nationwide.

• Design and build scalable, maintainable, and correct backend services to support Modern Fi’s core products and bank integrations.
• Lead or contribute to technical initiatives, with opportunities to define architecture, lead projects, and mentor teammates.
• Partner closely with Product to define requirements, translate business needs into technical specs, and ship elegant, impactful features.
• Uphold and evolve engineering best practices, including code quality, testing, CI/CD pipelines, and documentation.
• Participate in design discussions, conduct code reviews, and contribute to technical decisions that scale with our business.
• Tackle challenging technical problems with innovative and pragmatic solutions.
• Help cultivate an inclusive, high‑performing engineering culture grounded in trust, ownership, and collaboration.

• Proven ability to independently design, develop, and maintain backend systems.
• Strong understanding of software engineering principles, with tangible experience writing high‑quality, production‑ready code.
• Experience leading or contributing significantly to complex engineering projects (for more senior candidates).
• Excellent communication skills with the ability to explain technical concepts clearly to both technical and non‑technical audiences.
• Comfortable operating in a fast‑paced, dynamic environment with shifting priorities.
• High level of empathy, integrity, and calmness under pressure.
• 4+ years of software engineering experience (flexible depending on level), ideally with Python, AWS, or similar modern technologies.
• Interest in financial systems and the opportunity to work on meaningful problems with real‑world impact.
• You’re a thoughtful IC who thrives on shipping great software, improving team practices, and supporting those around you.

The caliber and character of the Modern Fi team set us apart.

We value competence and drive over experience and seek compassionate people with diverse backgrounds. We appreciate technical ability, dedication, and humble confidence. Above all, we value respect – respect for our colleagues, clients, partners, and ourselves.

Our team pushes each other to be better every day, supports each other when challenges arise, and grows together on this journey. Because we are a close‑knit team, we are selective and considerate with every hire.

The people at Modern Fi could be doing anything in the world, yet they choose to be here.

We offer a generous salary, unlimited PTO, 401(k), and premium health, dental, and vision insurance. As an early hire, you will have access to significant equity at a critical stage of the company’s growth.

We’re hiring across levels (mid‑level, Senior, and Staff), and your level will be determined during the interview process based on your technical performance.

If you’d like to learn more, please email us at

During the recruitment process, you’ll meet the engineering team, Adam, and Paolo.

We are excited to get to know you, learn about what motivates you, and ensure that we can accelerate your personal and professional growth.

Software Engineer
• New York, New York, United States

Modern Fi is an Equal Opportunity Employer. All qualified individuals, regardless of race, color, religion, sex, gender identity and expression, national origin, protected veteran status, disability status, or any other legally protected status, are encouraged to apply.