Lithic

• Own compliance execution and quality across Lithic's CIP, KYB, and CDD/EDD programs, while contributing to the AI-assisted workflow infrastructure that makes that work scalable and defensible. • Core responsibilities include: • Own end-to-end CIP decisioning, maintaining quality and turnaround standards across high-volume programs • Perform quality assurance on AI-assisted onboarding decisions and document reasoning in a format that holds up to bank partner and regulatory scrutiny • Identify process gaps and propose improvements • Support bank partner deliverables across Lithic's sponsor bank relationships • Contribute to AML/BSA compliance & Regulatory compliance testing and oversight activities • Work with Product and Engineering when new features touch compliance • Contribute to Lithic's long-term compliance strategy by helping build infrastructure that scales

• Own the end-to-end disputes lifecycle: intake, investigation, chargeback processing, and dispute resolution. • Author, maintain, and continuously improve the dispute SOPs across every stage, ensuring content reflects current consumer protection regulations, network dispute rules, and operational realities. • Test, deploy, and tune agentic investigation solutions across the disputes workflow, including skill orchestration, arbitration automation, and automation tuning, to compress per-case handling time without sacrificing quality. • Document investigative context and develop the skills and prompts that allow agentic tooling to handle routine filing, statement generation, and representment volume. • Handle complex dispute scenarios, edge cases, and pre-arbitration and arbitration exceptions where outcomes depend on judgment and argumentation. • Develop and optimize representment strategies; analyze dispute trends to identify root causes and drive process improvements. • Define and report the KPIs and KRIs for the disputes program, and produce actionable insights by synthesizing operational trends and program performance data. • Serve as the interface to any business process outsourcing relationship • Partner with Product and Engineering to frame dispute requirements as enablers and to inform the roadmap for investigation tooling. • Mentor junior analysts and contribute to training on dispute handling, chargeback processing, and the investigation tooling.

• Own and continuously improve the AML and financial crime transaction monitoring SOPs, keeping them aligned to current regulatory requirements, evolving typologies, and operational reality • Own the feedback loop into Lithic's monitoring engine: partner with your Analytics, Engineering, and Product peers to evaluate alert logic, assess rule and scenario effectiveness, and tune thresholds to reduce false positives while preserving coverage • Lead the testing, deployment, and tuning of agentic transaction monitoring and investigation solutions, including documenting the investigative context the tooling needs to produce repeatable, examiner-ready output • Investigate complex suspicious activity independently and prepare high-quality SARs and UARs; own escalations and the judgment-heavy cases automation cannot close unattended • Supervise and quality-check alert review and investigative output, including AI-assisted output, so decisions hold up to bank partner and regulatory scrutiny • Synthesize monitoring performance data, operational trends, and emerging financial crime risks into actionable program insights, and define and influence AML KPIs and KRIs • Lead governance preparation for relevant oversight forums and support bank partner and exam-readiness deliverables • Train and mentor analysts on investigations, money laundering typologies, and the agentic tooling, so program knowledge scales beyond any one person

• Ensure high reliability, low latency, and correctness for Lithic's transaction processing interfaces and related services • Lead delivery of new capabilities across authorization, clearing/settlement, disputes, and network integration surfaces • Own and evolve the infrastructure supporting physical network peering with card network partners, ensuring connectivity, failover, and capacity meet reliability requirements • Raise the bar on operational excellence: observability, incident response, on-call readiness, and pragmatic reliability improvements • Own initiatives from planning to launch, keeping stakeholders informed and aligned along the way • Partner closely with Product and cross-functional stakeholders to clarify requirements early and keep engineering time focused on the highest-impact work • Lead efforts to improve systems, processes, and documentation so new team members can ramp quickly • Participate in and help evolve the team's on-call rotation

• Ensure high reliability, low latency, and correctness for Lithic's transaction processing interfaces and related services • Lead delivery of new capabilities across authorization, clearing/settlement, disputes, and network integration surfaces • Own and evolve the infrastructure supporting physical network peering with card network partners, ensuring connectivity, failover, and capacity meet reliability requirements • Raise the bar on operational excellence: observability, incident response, on-call readiness, and pragmatic reliability improvements • Own initiatives from planning to launch, keeping stakeholders informed and aligned along the way • Partner closely with Product and cross-functional stakeholders to clarify requirements early and keep engineering time focused on the highest-impact work • Lead efforts to improve systems, processes, and documentation so new team members can ramp quickly • Participate in and help evolve the team's on-call rotation

• Design, build, and maintain backend services and REST APIs that serve data from various SQL subsystems and other data sources • Develop well-tested, production-grade Python services with clean API contracts, proper authentication, versioning, and error handling • Work closely with the Analytics Engineering team to expose modeled data (billing, settlement, finance) through APIs that downstream consumers can rely on • Build internal tooling and services that enable the broader organization to self-serve their data needs without writing SQL • Participate in code reviews, system design discussions, and engineering best practices across the Infrastructure org • Contribute to service observability: logging, metrics, alerting, and on-call practices for the services you own • Maintain and improve existing data pipelines that move data from source systems into Snowflake (Airflow, Airbyte) • Contribute to the dbt project alongside the Analytics Engineering team — model improvements, test coverage, and data quality • Support data governance practices including access controls, lineage documentation, and data quality standards

Lithic is the modern card issuing and processing platform empowering ambitious financial companies to build the future of payments. Our infrastructure powers card programs for 100+ innovative clients, from fintechs reimagining credit and digital banking to platforms transforming disbursements and spend management. Companies like Mercury, Flex, and Novo rely on Lithic's developer-friendly APIs, direct network connections, and flawless reconciliation to launch and scale card programs in weeks, not years. We're building a future where access to better financial products materially improves people's lives, free from the constraints of 30-year-old mainframes and legacy processors. We're proud to be backed by world-class investors who share that vision, including Bessemer Venture Partners, Index Ventures, Spark Capital, Stripes, and Mastercard, along with many others. We're a team of 160+ across 26 states and 7 countries, headquartered in New York City. We are hiring a Senior Software Engineer for our Treasury team to lead Lithic’s next phase of growth. The Treasury team maintains and builds the backend services that manage the flow of funds between Lithic and third parties. This includes our ledger, ACH and wire infrastructure, and associated reconciliation. The systems we maintain have high standards of reliability and correctness. You will become an expert in the card payments space. The Treasury team primarily uses Python for their tech stack. What You'll Do: - Ensure high reliability and correctness for Lithic’s ledger and orchestrated funds flows - Develop new features to better serve Lithic customers - Ensure that the team is delivering reliable, secure, and scalable code with minimal tech debt - Own initiatives from planning to launch, keeping stakeholders informed and aligned along the way - Lead efforts to improve systems and processes within the team - Participate in the team on-call rotation What You Bring - Thrive at turning requirements into working software swiftly - Enjoy working in a fast-moving environment - Experience shipping in production environment and leading projects - Strong distributed system instincts and design skills - Experience in or desire to learn Python - Ability to lead cross-functional projects and step in as a strong individual contributor - Growth mindset and continuous desire to learn and improve - An interest in fintech and the payments space is preferred The annual Canadian salary range for this role is CA$158,000 - CA$290,000 plus equity. This salary range may be inclusive of several career levels at Lithic and will be narrowed during the interview process based on the candidate’s experience and qualifications. This is a remote position. However, candidates must be located in the United States, Canada, Netherlands, Poland, or Czech Republic. We do not offer visa sponsorship or assistance. Crack the code A hidden code is tucked into this application. Find it and enter it below to continue. 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 Benefits for Full-Time US Employees: - Unlimited PTO - 12-weeks fully paid parental leave - 4-Week Fully Paid Sabbatical (earned at your 5-year anniversary) - Work From Anywhere: work from anywhere in the world 4-weeks each year - 3% cashback on card purchases with your complimentary Privacy.com employee account - Health, vision, and dental insurance; HSA Contribution Match - 401(k) match - Voluntary Life Insurance and STD/LTD NYC-based employees work from our SoHo office three days a week. Tuesdays and Thursdays are our core days, and you'll choose a third day that works for your schedule and team needs. In-office employees receive: - Commuter benefit - Catered lunch every Tuesday and Thursday

• Design, build, and maintain backend services and REST APIs that serve data from various SQL subsystems and other data sources • Develop well-tested, production-grade Python services with clean API contracts, proper authentication, versioning, and error handling • Work closely with the Analytics Engineering team to expose modeled data (billing, settlement, finance) through APIs that downstream consumers can rely on • Build internal tooling and services that enable the broader organization to self-serve their data needs without writing SQL • Participate in code reviews, system design discussions, and engineering best practices across the Infrastructure org • Contribute to service observability: logging, metrics, alerting, and on-call practices for the services you own • Maintain and improve existing data pipelines that move data from source systems into Snowflake (Airflow, Airbyte) • Contribute to the dbt project alongside the Analytics Engineering team — model improvements, test coverage, and data quality • Support data governance practices including access controls, lineage documentation, and data quality standards

• Ensure high reliability and correctness for Treasury's core systems — the ledger, payment origination, card settlement, reconciliation, and financial controls • Lead delivery of new features and capabilities across money movement, accounting, and reporting surfaces • Raise the bar on operational excellence: observability, incident response, on-call readiness, and pragmatic reliability improvements • Own initiatives from planning to launch, keeping stakeholders informed and aligned along the way • Partner closely with Product and cross-functional stakeholders to clarify requirements early and keep engineering time focused on the highest-impact work • Lead efforts to improve systems, processes, and documentation so new team members can ramp quickly • Participate in and help evolve the team's on-call rotation

• Ensure high reliability and correctness for Treasury's core systems — the ledger, payment origination, card settlement, reconciliation, and financial controls • Lead delivery of new features and capabilities across money movement, accounting, and reporting surfaces • Raise the bar on operational excellence: observability, incident response, on-call readiness, and pragmatic reliability improvements • Own initiatives from planning to launch, keeping stakeholders informed and aligned along the way • Partner closely with Product and cross-functional stakeholders to clarify requirements early and keep engineering time focused on the highest-impact work • Lead efforts to improve systems, processes, and documentation so new team members can ramp quickly • Participate in and help evolve the team's on-call rotation