Engineer - Payments Platform

You will join Payments Platform Engineering, an early-stage organization building the foundations for collecting and paying money through Xero. The team creates reusable capabilities that support multiple products, payment methods, providers and regions. The role is based in Vancouver and operates on a hybrid model with one to two days per week in the office.

Responsibilities

Help build platforms and product capabilities that support money movement through Xero; Take ownership of engineering problems, building reliable, secure and scalable software where financial accuracy matters; Help shape technical decisions and make trade-offs clear; Balance delivery with the controls needed to protect customers and their money; Contribute to an inclusive team culture and help improve how the engineering organization works; Evolve systems tightly coupled to invoicing into reusable payment capabilities; Build payment orchestration and provider integrations; Develop foundations across customer onboarding, know-your-business verification, entity management, risk and compliance; Strengthen reconciliation, dispute handling and internal ledger capabilities; Support bill payments and incoming and outgoing money flows; Apply AI and automation where they can reduce manual effort, with clear controls and human oversight

Requirements

Strong backend software engineering experience and a track record of building and operating reliable services in production; Understanding of distributed systems, including service boundaries, consistency, resilience and failure handling; Practical experience working with transactional data where correctness, integrity and traceability are essential; Ability to work through ambiguous problems and make pragmatic architectural decisions; Ownership beyond implementation, including automated testing, deployment, observability and ongoing operation of services; Clear communication and collaboration across engineering, product and operational teams; Interest in using AI tools to improve engineering productivity and exploring automation with appropriate controls and human oversight

Nice to have

Experience in payments, financial systems or other environments where accuracy and auditability are critical

Benefits

Variable pay through annual bonus and equity (RSU) programs for permanent employees; Performance-based cash or equity (RSU) incentives depending on role level and company performance; Comprehensive health, wellness and retirement programs; Xero Perks, including wellbeing days, generous leave and dedicated professional development budgets