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Backend Engineer Iii

Stash

New York
Development Backend Business Analyst

Job Score

100 pts
On-site model (+70) Development (+10) Backend (+10) Business Analyst (+10)

Want to help everyday Americans invest and build wealth? Financial inequality is increasing, and too many people are getting left behind. At Stash, we’re passionate about democratizing wealth creation through education, advice, and products that help customers achieve greater financial freedom. We also believe in working smarter—leveraging AI and emerging technologies to move faster, operate more efficiently, and focus our time on solving meaningful problems for our customers.

As a key member of the Accounts Team, you will play a pivotal role in managing and enhancing our Core Banking System. Our system is built using Go, with a robust asynchronous architecture, and CockroachDB as the primary database. We are looking for engineers who are eager to tackle challenges in fintech, build scalable backend services, and contribute to the next generation of banking infrastructure.

What you'll do: 

  • Design, develop, and maintain backend services for our Core Banking System, ensuring performance, reliability, and scalability.
  • Architect and implement robust asynchronous workflows to process banking transactions efficiently.
  • Optimize and scale our system as we continue to grow, ensuring high availability and security.
  • Act as an "Agent Conductor" to architect, design, and rapidly implement services by leveraging AI coding assistants.
  • Collaborate with cross-functional teams, including operations and infrastructure teams, to deliver seamless experiences.
  • Continuously deploy and monitor services in a cloud-based environment.
  • Debug, test, and document code to ensure high-quality software development.

What we're looking for: 

  • 3 - 5 years of professional experience in backend software development.
  • Strong proficiency in Go or Rails (or deep experience in another backend language with a willingness to learn Go).
  • Experience working with event-driven, asynchronous architectures.
  • Data-driven decision maker, willing to take risks, fail fast, and iterate at the speed of AI generation.
  • Proficiency in working with relational and distributed databases, preferably CockroachDB, PostgreSQL, or similar.
  • Hands-on experience building highly scalable, fault-tolerant backend services.
  • A strong understanding of testing best practices, debugging, and profiling.
  • Familiarity with cloud platforms (AWS).
  • Excellent problem-solving skills and a mindset for continuous improvement.

Gold Stars: 

  • Knowledge of multi-region architectures.
  • Familiarity with CI/CD pipelines, Terraform, and Datadog.
  • Understanding of banking or fintech-related systems.

#LI-Hybrid

Our Commitment to Diversity, Equity, and Inclusion

We proudly celebrate the unique qualities that make you you, 365 days a year, and not just because it’s the right thing to do or good for business. We embed the principles and practices of diversity, equity, and inclusion (DEI) into all that we do to prioritize people, a Stash core value, and to ensure Stashers of all backgrounds and experiences can be their authentic selves. 

We are also proud to be the first and only venture-backed fintech to join the CEO Action for Diversity & Inclusion™, and as an Equal Opportunity Employer, Stash is committed to building an inclusive environment for people of all backgrounds.

If you require any reasonable accommodations to make your application process more accessible, please reach out to recruiting@Stash.com.

Helping You Invest in Yourself 

  • Comprehensive total rewards package, comprising compensation (salary and equity) and health care benefits 
  • Complimentary subscription to Stash+ account 
  • Flexible work policy – We offer a flexible work environment that blends working from home with in-person collaboration at our NYC office to support productivity and team culture.                   
  • Flexible PTO 
  • Annual learning and development reimbursement benefit 
  • Work-from-home equipment stipends; home internet subsidy
  • Paid Parental Leave (offerings for birth giving and non-birth giving parents) Primary & Secondary
  • Enhanced health and wellness benefits through One Medical, Gympass, and Maven Health

External Recognition for Stash

  • Benzinga’s 2023 Best Brokerage for Beginners and Best Robo-Advisor Awards
  • Qorus-Accenture’s 2023 Banking Innovation Awards
  • USA Today and Statista’s 2023 Top 500 Best Financial Advisory Firms
  • Comparably's Best Company Awards: Best Places to Work, Best Company Outlook, and Best Engineering Team for Diversity, Women, Culture, and more! (2023)
  • Fintech Breakthrough Award: Best Personal Finance App (2023)
  • BuiltIn’s Best Places to Work (2022, 2021, 2020, 2019)
  • Forbes Fintech 50 (2021, 2020, 2019)
  • Best Digital Bank, Finovate Awards (2020)
  • Tearsheet Challenge Awards, Best Banking Card Product - Stock-Back® Card, 2020
  • LendIt Fintech Innovator of the Year (2020, 2019)

Salary Range: $140,000 - $160,000

The base salary range represents the reasonably anticipated low and high end of the salary range for this position. Actual salaries will vary and will be based on various factors, such as the candidate’s qualifications, skills, experience and competencies, as well as internal equity and alignment with market data for companies of our size and industry.

**No recruiters, please**

About Software Development

Software Development is one of the most dynamic and constantly evolving fields in the job market. Professionals in this area are responsible for creating, maintaining, and optimizing web, mobile, and desktop applications that impact millions of users daily.

Key languages and frameworks include JavaScript (React, Node.js, Vue.js), Python (Django, Flask), Java (Spring), PHP (Laravel), and TypeScript. Demand for full-stack developers continues to grow, especially in tech companies and startups.

Salaries range from entry-level to senior positions, with growing opportunities for remote work and international freelancing.

About Backend

The Backend area is responsible for all server logic, APIs, databases, and infrastructure that support web and mobile applications. Backend professionals ensure that systems are scalable, secure, and performant.

Key skills include languages like PHP, Java, Python, Ruby, Go, and Node.js, frameworks like Laravel, Spring Boot, Django, and Express, databases (MySQL, PostgreSQL, MongoDB, Redis), software architecture (clean architecture, DDD, microservices), and API security (OAuth, JWT).

Backend developers in technology companies are highly valued, especially those who master microservices architecture, cloud computing, and high-scale performance. The field offers opportunities from junior developer to software architect, with a focus on scalability, security, and efficiency.

About Business Analysis

The Business Analyst (BA) is the professional responsible for identifying problems, opportunities, and solutions in organizational processes, acting as a bridge between business areas and the technology development team. They gather and specify requirements, map value streams, design future processes, and help ensure that software deliveries align with the company's strategic goals.

Discover Other Areas

Understand the scope of work, key skills, and tools used in different career areas.

About Automation Analyst

The Automation Analyst is the professional responsible for identifying process optimization opportunities and developing automated workflows (RPA, scripts, or integrations). They map manual and repetitive tasks across various company areas and build automation solutions using low-code/no-code platforms (such as Zapier, Make, Power Automate, n8n) or RPA tools (such as UiPath), driving operational efficiency and error reduction.

About Web Designer

The Web Designer is the professional responsible for creating visual interfaces for websites, web applications, and landing pages, combining aesthetics, usability, and user experience. They transform business needs into functional and responsive layouts that communicate brand identity.

Key skills include UI design, responsive design, prototyping (Figma, Sketch, Adobe XD), wireframing, design systems, accessibility (WCAG), information architecture, and basic HTML/CSS knowledge. Knowledge of UX design, motion design, and front-end is a differentiator.

Web Designers in technology companies are highly valued, especially those who master design systems, design tokens, and can create interfaces that convert and engage. The field offers opportunities from junior web designer to product designer and design lead.

About Administrative

The Administrative area is responsible for ensuring the efficient functioning of all organizational operations. Administrative professionals manage processes, human resources, procurement, and facility management.

Key skills include process management, Office 365, administrative ERPs, compliance, and people management. Knowledge of automation and AI tools is becoming increasingly relevant.

The digitization of administrative processes has created new opportunities for professionals who master technology and management.

About Information Security

The Information Security area is one of the most strategic and in-demand fields in the technology market. With the rise of cyberattacks, data breaches, and regulations like LGPD and GDPR, companies of all sizes invest heavily in professionals who can protect their digital assets.

Key specializations include Network Security, Cloud Security (AWS, Azure, GCP), Offensive Security (Penetration Testing, Red Team), Defensive Security (SOC, Blue Team), AppSec, and Security Governance. Tools like SIEM (Splunk, QRadar), firewalls, EDR, and Vulnerability Management platforms are essential.

Certifications like CISSP, CEH, OSCP, CompTIA Security+, and AWS Security Specialty are important differentiators. Information security professionals are among the highest-paid in the sector, with growing demand especially in fintechs, healthtechs, and large enterprises.

About Mobile Development

Mobile Development is one of the most dynamic and constantly evolving fields in the technology market. With billions of smartphones worldwide, the demand for qualified mobile developers continues to grow exponentially.

Key stacks include Flutter (Dart), React Native (JavaScript/TypeScript), Kotlin (Android native), Swift (iOS native), and hybrid frameworks like Ionic and Capacitor. Knowledge of mobile architecture (MVVM, Clean Architecture), mobile CI/CD (Fastlane, Bitrise, Codemagic), and App Store/Google Play publishing are essential.

Senior mobile developers are highly valued professionals, with competitive salaries and many remote work opportunities at international companies. Specializing in cross-platform or native is a strategic career decision.

Career Guides

Technology Career Guide

Planning, skills, interviews, and professional growth in IT, Data Science, DevOps, and Product.

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Design Career Guide

UX/UI, Graphic Design, Product Design. Portfolio, tools, interviews, and growth in the Design field.

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Marketing Career Guide

SEO, Paid Media, Growth, Content Marketing. Certifications, tools, and strategies to grow in Digital Marketing.

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Finance Career Guide

Financial market, investments, corporate finance, certifications, and strategies to grow in the financial field.

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Communication Career Guide

Journalism, PR, Corporate Communication, Content Marketing, and Multimedia Production.

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Administration Career Guide

Business Management, HR, Logistics, Consulting, Project Management, and Entrepreneurship.

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Data Career Guide

Data Science, Data Engineering, BI, Machine Learning, and AI. From training to the job market.

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Product Career Guide

Product Management, Product Ownership, Agile, Scrum, and OKRs. From strategy to execution.

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Tech & Remote Glossary

Stop getting lost in interviews and job descriptions

The job market, especially within tech and global companies, has developed its own dialect. Not understanding these acronyms can make you lose valuable opportunities or poorly negotiate your contract. To end this problem, we created the Definitive Glossary for the Remote Professional.

🏢 Work Models & Routine

Async (Asynchronous Work)
A communication model where responses don't need to be immediate. Instead of back-to-back meetings, the team relies on well-structured documents, threads, and messages. It's the gold standard for global companies spanning multiple time zones.
Sync (Synchronous Work)
The opposite of Async. It requires the team to be online and available at the same time for meetings, live chats, and real-time collaboration.
Daily / Stand-up
A quick daily meeting (usually 15 minutes) common in Agile (Scrum) methodologies. The team answers three questions: What did I do yesterday? What will I do today? Are there any blockers?
All-Hands / Town Hall
A company-wide meeting involving all employees. Usually led by the founders (C-Levels) to present results, new goals, and answer team questions.
1:1 (One-on-One)
A recurring individual meeting between a professional and their direct manager. It is used for career alignment, feedback, and problem-solving, not just for project status updates.

💰 Contracts, Benefits & Compensation

PTO (Paid Time Off)
Instead of strict, categorized leave policies, modern US companies usually offer a flexible pool of days (e.g., 20 days of PTO, or even "Unlimited PTO") that you can use for vacations, sick days, or personal matters, while receiving your regular compensation.
Equity / Stock Options
Company ownership. The startup offers you the right to buy shares at a heavily discounted strike price in the future. If the company grows, goes public, or is acquired, these shares can be highly lucrative.
Vesting (Vesting Schedule)
The rule that controls your Equity. It usually lasts 4 years. You don't get all the shares on day one; you "earn" them gradually as you stay with the company. A "1-year Cliff" means you must stay for at least one year to receive your first batch of shares.
RSUs (Restricted Stock Units)
Unlike Stock Options (where you have the right to buy the stock), RSUs are actual shares the company grants you as a bonus or part of your compensation package, following a strict Vesting schedule.
Independent Contractor (1099 / B2B)
The most common international hiring model for global talent working for US companies. You act as a service provider (business-to-business), receiving the gross salary (often six-figure compensation) without standard local payroll tax deductions at the source.

🤖 Recruitment & Hiring Process

ATS (Applicant Tracking System)
The "robot" that reads your resume. Software like Greenhouse, Ashby, and Workday are used to filter candidates by keywords before a human even looks at the document. (Pro tip: this is why your resume must be clean, semantic, and have the right keywords).
JD (Job Description)
The document that lists the responsibilities, technical requirements, and benefits of the open position.
Cultural Fit
The interview stage that evaluates if your core values, communication style, and worldview align with the company's culture. This is the ultimate test of your Soft Skills.
Onboarding
The integration process. It's the period of your first few weeks at the company, where you get your access credentials, learn about the culture, study the internal documentation, and understand how the product works.

🚀 How to use this to your advantage?

The secret isn't just knowing what these acronyms mean, but using them actively. If during an interview for a premium tech role you ask, "How does your PTO policy and Vesting schedule work?", the recruiter will immediately perceive you as a high-level professional, familiar with the global market standards.

The remote job market requires preparation. And having the right vocabulary is the first big step to securing six-figure proposals and standing out among thousands of applicants.

Expert Tip

How to Build an Unbeatable Resume in 2026

At Mondywork, our engine analyzes hundreds of the best remote jobs daily. If there's one thing we've learned from observing the backend of elite recruiting platforms like Greenhouse, Ashby, and Workday, it's this: a good resume isn't the prettiest one; it's the most efficient one.

Many highly qualified professionals miss out on golden opportunities (and six-figure remote roles) simply because their resumes fail to communicate their value within seconds or get trapped in automated corporate filters.

To change that game, we've gathered the best market practices, rooted in data and the brightest minds in global recruiting.

1. The 7.4-Second Rule (The Skimming Test)

The biggest mistake candidates make is assuming the recruiter will read their resume like a book. The reality is much colder.

A famous study conducted by the career and recruiting firm Ladders, using eye-tracking technology, revealed that recruiters spend an average of only 7.4 seconds scanning a resume before deciding whether the candidate moves forward to the next round.

How to optimize your resume for the 7.4 seconds:

  • Clear Visual Hierarchy: Recruiters instinctively look for your Job Title, Current Company, and Dates of Employment. Make this information effortless to find.
  • Bullet Points Only: Never use large blocks of text. The human brain scans lists much more easily.
  • Focus on the Top Third: The top third of your resume (your professional summary and your most recent experience) is your "premium real estate." Your biggest selling points must live there.

2. Google's XYZ Formula for Experience

Most people describe what they did at work (their responsibilities). Recruiters want to know what you achieved (your results).

Laszlo Bock, former Senior Vice President of People Operations at Google, popularized the ultimate methodology for writing experience bullet points: The XYZ Formula.

The structure is simple and powerful:

"Accomplished [X] as measured by [Y], by doing [Z]."

  • Bad (Task-focused): "Wrote code for the payment platform."
  • Good (Result-focused): "Improved the speed of the payment platform."
  • The Google Standard (XYZ Formula): "Increased payment processing speed by 15% (X), reducing page load time by 1.2 seconds (Y), by refactoring the legacy API to Node.js (Z)."

Pro Tip: Whether you're in Digital Marketing, Design, or Tech, use hard metrics. Talk about conversion percentages, cost reductions, active user growth, or hours saved.

3. Beat the Bots: ATS Optimization

Over 99% of Fortune 500 companies and a vast majority of tech startups use ATS (Applicant Tracking Systems). These are software programs that read and filter resumes before a human ever lays eyes on them.

Austin Belcak, founder of Cultivated Culture and employability expert, analyzed over 125,000 resumes and found that complex formatting is the number one enemy of getting hired.

How to pass the ATS filter:

  • Ditch the Canvas (mostly): Resumes with dual columns, skill progress bars (e.g., "70% in JavaScript"), and graphic icons frequently confuse bots, which extract text in a jumbled mess.
  • Use a Linear Format: A simple Word or Google Docs document, saved as a PDF, with single-column formatting (reading top to bottom) is the safest template in the world.
  • Keyword Mirroring: ATS software runs on keywords. Read the job description on Mondywork and ensure the required hard skills (e.g., React, SEO, Figma, Agile) are explicitly written on your resume.

4. The Professional Summary (Your Elevator Pitch)

The traditional "Objective" statement ("Looking for an opportunity to grow within the company") is dead. Today, what works is the Executive Summary.

Use 3 or 4 lines at the very top of your resume to define who you are, your core specialty, and your biggest career win.

Example: "Mid-level Front-end Developer with 4 years of experience in e-commerce. Specialist in React and performance optimization (Web Vitals), with a proven track record of increasing mobile checkout conversion rates by 20%."

🚀 Ready to test your new Resume?

Now that your resume is optimized for the competitive US market and entirely focused on results, it's time to put it in play.

At Mondywork, our engine curates the best remote Tech, Design, and Digital Marketing opportunities from top companies every single day.

👉 [Insert Home page link here] and sign up for our Job Alerts. Be the first to apply to high-paying remote roles before anyone else!