Senior Software Engineer - Card Issuing

POSITION SUMMARY

The Software Engineer designs and builds infrastructure and applications for BillGO’s products. The Software Engineer’s duties include designing features and functionality that can implemented securely and reliably with a focus on performance at scale. This role will be collaborating internally with teammates and other teams as well as externally with third party vendors through a variety of transmission protocols. This role will be fully responsible for code through design implementation maintenance and monitoring.

About the Role
As our Issuing Engineer you will:

• Design build and maintain the core systems behind our virtual card issuing platform
• Integrate AI-powered services for fraud detection anomaly monitoring and transaction insights
• Build APIs and services that power card creation spend controls tokenization and reconciliations
• Collaborate with Product Risk and AI/ML teams to develop machine learning–driven authorization rules and customer-facing analytics
• Work closely with network partners (Visa Mastercard) and issuing processors to ensure secure compliant and performant issuing flows
• Act as a subject matter expert on issuing technology and AI-driven enhancements

What You’ll Do

• Lead technical development of issuing features: card lifecycle management spend controls tokenization and real-time transaction processing
• Own integrations with card networks and issuing processors (Marqeta Galileo Lithic or direct to network)
• Build resilient observable systems that handle real-time authorization events and sensitive payment data
• Implement real-time AI-based fraud detection pipelines that learn from transaction patterns
• Integrate LLM-powered support and operations tooling for internal teams (e.g. automated dispute summaries transaction anomaly explanations)
• Build AI-driven customer dashboards showing spend patterns merchant risk profiles and cost optimization recommendations
• Participate in architecture reviews incident response and production hardening
• Monitor and optimize system performance and cost-efficiency as the platform scales
• Stay current on card network updates fraud trends AI advancements and regulatory shifts

Qualifications

You May Be a Good Fit If You

• Have 5+ years backend engineering experience ideally in FinTech or Payments
• Have 2+ years working directly on card issuing processing or payment systems
• Are comfortable with card networks BIN sponsors issuing processors
• Understand authorization flows ISO8583 PCI-DSS and tokenization
• Are fluent in backend development (Node.js Python Go or Java) and distributed system design
• Have hands-on experience integrating AI/ML models into production systems
• Can design secure auditable and highly-available services
• Are product-minded and love influencing roadmaps with data-driven and AI-enabled insights
• Thrive in startup environments with evolving needs

Nice to have

• Experience with Marqeta Galileo Lithic or other issuing platforms
• Experience with fraud detection models merchant categorization ML or real-time anomaly detection
• Familiar with vector databases and LLM orchestration frameworks (LangChain Semantic Kernel etc.)
• Built customer-facing AI features such as transaction categorization forecasting or spend optimization
• Exposure to PCI-DSS SOC 2 KYC/AML and compliance-heavy environments

What We Do

We’ve all become accustomed to the ease speed and convenience of transacting digitally—and we expect the same experience when paying our bills online. BillGO has built the largest fastest-growing and only open biller network that accepts both consumer and business payments. We know firsthand the struggles check-reliant small businesses face to get paid quickly and securely. That’s why we maintain a strategic focus on the oft-overlooked long tail of micro-to-small businesses and suppliers and why our BillGO Exchange solutions are designed to meet their unique needs for both consumer and business-to-business bill payments.

Why Work With Us

At BillGO we’re crafting a culture that attracts and motivates the best and brightest talent in the industry. If you’re a growth-minded resilient and innovative professional who thrives in a collaborative AI and technology-driven environment we invite you to explore our open opportunities.

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