# Senior Software Engineer, Card Authorization

**Company:** [Lithic](https://hotfix.jobs/companies/lithic)
**Location:** Remote
**Role:** Backend Engineering
**Salary:** $160k – $200k/yr
**Experience:** 5+ years
**Skills:** Backend Systems, Rust, Python, Java, Distributed Systems, Fraud Prevention, Payments, 3D Secure, Rules Engine, Transaction Monitoring, AI Tools, On-Call
**Posted:** 2026-09-11

> Build and operate real-time card authorization and fraud-prevention systems, including customer-facing controls and 3D Secure flows. The role requires 4+ years of backend experience, with Rust, distributed systems, payments, and end-to-end product ownership relevant to the work.

## Job Description

## Responsibilities
- Write reliable, secure, scalable code for real-time card authorization and fraud-prevention systems.
- Build customer-facing features including rules improvements, velocity controls, 3D Secure flows, fraud tooling, and transaction monitoring.
- Own projects from planning through launch.
- Improve system reliability and participate in the team on-call rotation.
- Lead efforts to improve team systems and processes.

## Requirements
- 4+ years of experience building production backend systems.
- Experience with or willingness to learn Rust.
- Ability to understand systems written in Python and Java.
- Interest and experience using AI tools to improve productivity.
- Ability to navigate ambiguity, align diverse perspectives, and drive practical solutions.
- Experience or interest in payments, fintech, or fraud prevention.
- Experience designing systems from scratch and owning product development end-to-end.
- Strong written communication skills.
- Experience working in a remote, async-first team across time zones.

## Nice-to-haves
- Full-stack experience.

## Compensation and Benefits
- Annual US salary: $160,000–$200,000, plus equity.
- Unlimited PTO.
- 12 weeks of fully paid parental leave.
- Four-week fully paid sabbatical after five years.
- Work from anywhere in the world for four weeks each year.
- 3% cashback on card purchases through a complimentary employee account.
- Health, vision, and dental insurance; HSA contribution match.
- 401(k) match.
- Voluntary life insurance and short- and long-term disability insurance.
- NYC-based employees receive commuter benefits and catered lunches on Tuesdays and Thursdays.

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