Engineering at ModernFi
Write code that moves billions
ModernFi is a technology company operating the deposit networks that hundreds of banks and credit unions depend on. Real money in motion every day. Precise software, hard problems.
Deposit networks are complex
Every institution on the network trusts us with part of its balance sheet. Here is what runs across the network every day.
Integrations
We meet banking where it runs
Integrate with banks and ingest their transactions, in whatever shape they arrive.
Allocation
Exactly right, every day
Spread every depositor's balance across the network to keep it insured, in the fewest wires. A convex optimization problem, solved fresh each day.
Money movement
Out the door, on time
Wires move through a custodian bank, with ModernFi as orchestrator.
Reconciliation
Nothing settles until it balances
The books reconcile to at least six decimal places past the penny.
What we build
Engineer entire systems
Each of these is a system a single engineer can take from design to production.
The settlement engine
Place deposits across the network each day, accrue interest down to fractions of a cent, and run the monthly close that generates every statement and wire. The systems you build here are what move the money.
The integration factory
Connect to the systems banks actually run on, from batch files to real-time core and digital-banking APIs. New integrations go live in weeks.
Bank-grade reporting
The general-ledger files you write post straight into a bank's core. The statements, call reports, and ledger entries in a real bank's books are code you ship.
The platform
React and TypeScript portals for institutions and depositors, a typed FastAPI surface, Temporal orchestration, multi-region AWS with Pulumi, and observability on Datadog. You own it end to end.
The next thing
The market we serve is huge and still early, so the surface area keeps growing. We are constantly shipping new products, features, and functionality, which means there is always an emerging system to design and own. The best engineers here don't wait for a ticket. They see what should exist, and they build it.
Stack
Built on a modern tech stack
We choose the best tool for the job, and we revisit the choice as the job changes.
How we engineer
The principles we hold to
Quality with urgency
Ship versions with pace and quality. We've run one-week cycles, unbroken, for more than two years.
If it's not in production, it doesn't count
Every merge deploys. Hundreds of production deploys a month, each one shipping to staging first and two AWS regions.
Correctness is the product
More test code than application code (4,800+ test functions), custom linters that enforce precision, and reconciliation that verifies the ledger to sub-cent accuracy.
Simple is scalable
Broadly hireable, open-source technology with no proprietary dead ends. Complexity is a cost we pay only when it earns its keep.
Autonomy with accountability
Engineers own work from ticket through production, including watching it run after deploy. On-call leaves the system better than they found it.
Default to transparency
Public channels, weekly knowledge shares, and blameless postmortems that land as a one-point ticket on every engineer's board to read.
Product-driven engineering
Engineers shape direction, talk to the institutions they serve, and demo their own work to the company.
Own your work. Build together. Ship with pace and quality.
How we hire
Our hiring process, start to finish
01
Intro call
30 minutes
Mutual fit on talent, drive, and personality.
02
Cultural conversation
45 minutes
Your story, what you've built, and where you want to go.
03
Take-home
On your schedule
Open-ended and drawn from real work, not puzzles.
04
Virtual onsite
Under 2 hours
A product panel and a technical discussion of your take-home with the team.
05
Decision
Days, not weeks
We move fast when we find someone great.
We tell you where you stand at every step. No trick questions, no gotchas.
We look for technical depth, product intuition, ownership, comfort with ambiguity, and the desire to leave a lasting impact on the users we serve.
Compensation is top of the market, stated plainly.
Open roles
Join the team
No role that fits? We're always looking for exceptional builders. Email us something you've built. engineering@modernfi.com
Join the network
Start growing with ModernFi
Get in touch to learn how the ModernFi team can help your institution grow deposits, deepen relationships, and scale revenue.