Principal Software Engineer (Banking)

About Relay Payments

Relay Payments is building a modern digital payment network to revolutionize the trucking and logistics industries. Trusted by more than 400,000 drivers, 100,000 carriers, and 2,000 truck stops nationwide, Relay has brought efficiency and automation to an industry historically reliant on cash, checks, and cards. Relay has joined forces with industry leaders like Pilot Company, Maverik, Schneider, Coyote Logistics, Lineage Logistics, and others to provide secure, reliable over-the-road transactions. Founded in 2019, our Atlanta-based fintech includes more than 150 team members and has won awards for product innovation, customer service, and organizational culture. We are a proud sponsor of NASCAR and William Byron from Hendrick Motorsports for 2025. For more information about Relay, visit relaypayments.com.

About The Role

As a Software Engineer at Relay with a focus on banking and ledger ops, you’ll be responsible for building and maintaining the financial backbone of our platform. You’ll ensure the accuracy, reliability, and scalability of our ledger and banking systems, enabling seamless and secure financial transactions for our customers. You'll design and implement robust financial processes, optimize transaction workflows, and proactively enhance the integrity of our financial infrastructure.

• Own the design, planning, execution, and testing of banking and ledger-related features, delivering high-performance, reliable financial software.
• Ensure accuracy and consistency across our financial records, building ledger systems that are auditable, resilient, and scalable.
• Optimize transaction workflows, improving reconciliation processes, settlement times, and ledger performance.
• Work across the entire stack to integrate banking services, payment processing, and ledger functionalities seamlessly.
• Identify and mitigate financial risks, proactively addressing reconciliation issues, double-spending risks, and transaction integrity concerns.
• Collaborate effectively with multiple teams, including Product, Compliance, and Infrastructure, to integrate banking and ledger operations without compromising performance or regulatory compliance.
• Maintain regulatory and security best practices, ensuring our financial systems comply with industry standards (e.g., PCI DSS, SOC 2).

What Makes You a Great Fit

• 7+ years of software engineering experience with a banking background, particularly in payments/transaction processing.
• Good understanding of accounting principles, financial transactions, and general ledger concepts.
• Understanding of NACHA and Fed Wire standards.
• Proven expertise in card processing systems and understanding of associated security standards.
• Strong proficiency in designing and implementing banking APIs.
• Demonstrated knowledge of NACHA and FedWire standards, including practical experience in integrating these protocols.
• Detail-oriented systems thinker who can work well independently or with others on a team.
• Ability to maintain flexibility and weigh business and technical priorities.
• Experience architecting solutions in a thoughtful way - limiting the number of technologies, justifying decisions, and articulating tradeoffs.
• Ability to execute on determined design decisions.
• Good written and oral communication skills to help educate others in the organization about changing processes and frameworks.
• A solid understanding of software testing strategies.

Systems and Frameworks

As part of this role, you will be working with several systems and frameworks at Relay. We are looking for engineers who have deep experience in the following areas:

• Golang
• PostgreSQL
• Service-oriented architectures
• Dependency Injection and Inversion of Control (IoC)
• SOLID architecture design principles

About Our Team

• We work in small, cross-functional teams that include product managers, designers, and QA.
• We value continuous learning in our everyday work.
• We rely heavily on automated testing and CI.
• We use agile development and lean startup principles and practices to deliver products.
• Our stack: GoLang, PostgreSQL, Docker, AWS, React, React Native, git.

Our Core Values

• Invent the Future - We embrace the spirit of invention, the idea that there’s always a better way. Together we dream big, fail fast, drive forward, and find creative solutions where others see roadblocks. We prize grit, resilience and speed as we work to transform our industry and to move it into the future.
  
  
• Own the Work - Our work is a source of personal pride and fulfillment. We’re here because we relish a challenge and enjoy the exercise of proactively identifying and solving problems. We understand the power of accountability and are in constant pursuit of “more and better” for our customers, our partners and ourselves.
  
  
• We’re in it Together - We’re all in, committed to, and driven by our shared ambition and vision; we understand that alignment and collaboration are imperative. We set aside our ego to actively sync with one another, becoming greater than the sum of our parts. We are consistently open and generous with information, clear, concise and direct in our communication.

Why Relay Payments

• This is a game-changing chance to join one of Atlanta’s best-funded, most well-positioned fintech start-ups.
• We are generously sharing equity in the company - everyone’s an owner!
• We invest in your future with our 401K match program and dedicated personal/professional development funds. 
• Do what’s best for your mental, physical and emotional health with our “Be Reasonable” PTO policy.
• We offer competitive benefits including medical, dental and vision insurance.
• And lots, lots more!

Relay Payments is an equal opportunity employer. At Relay Payments, we make all employment decisions, which include hiring, promoting, transferring, demoting, evaluating, compensating and separating, without regard to sex, sexual orientation, gender identity, race, color, religion, age, national origin, pregnancy, citizenship, disability, service in the uniform services, or any other classification protected by federal, state or local law.