Full Stack Engineer

ABOUT RESET Reset’s mission is to improve the financial health of everyday Americans by giving them fee-free access to the income they’ve already earned. We believe income should be available when it’s earned, not delayed, and that better timing, paired with the right tools, can fundamentally change how people manage their money and put them in a position to financially thrive. We deliver this by working through credit unions and community banks, embedding these capabilities directly into the financial institutions people already trust. We’re a public benefit corporation with a deep commitment to social impact. To date, we’ve raised over $7M from top investors and strategic partners. Our founding team has expertise in fintech and enterprise software from years of leading teams at Visa, Salesforce, and Upstart. ABOUT THE ROLE We’re looking for an experienced, product-minded, AI-forward engineer to join our small but high-leverage engineering team. You will work closely with the CTO to build and evolve the systems that power Reset, from core product experiences to integrations with financial institution partners—helping deliver on our mission to improve financial health through fee-free access to earned income. You thrive in a fast-moving, ambiguous environment. You think in systems, make thoughtful product and technical tradeoffs, and ship code. You’re looking for ownership and the opportunity to shape both product and how engineering gets done. Your work will directly impact how people access and use their money on a daily basis. This role is open to candidates anywhere in the United States. WHAT YOU’LL FOCUS ON FIRST REAL-TIME TRANSACTION DECISIONING - Build systems that make real-time authorization decisions on card transactions, leveraging modern card network capabilities - Design systems that dynamically adjust how much a user can spend based on their income and cash flow, as new information becomes available - Work on edge cases where money, timing, and user expectations don’t line up cleanly - Ensure systems are both fast (sub-second decisions) and correct when real money is on the line INTEGRATING WITH REAL-WORLD FINANCIAL SYSTEMS - Build integrations with partners in the banking and payments ecosystem, each with their own constraints, nuances, and success criteria - Represent Reset in technical conversations with partners, helping move integrations forward and unblock issues quickly - Design systems that remain reliable even when upstream systems are delayed, incomplete, or wrong - Debug real-world issues across distributed systems where you don’t control all the pieces - Turn one-off integrations into reusable patterns that make future partners faster to onboard WHERE THIS ROLE GROWS As you help scale our engineering efforts, you will take on broader technical and strategic responsibilities: - System design and architecture: Drive architectural decisions as product complexity increases, particularly around real-time decisioning and external integrations - Technical leadership: Help define engineering standards, patterns, and practices as the team grows - Product ownership: Take ownership of major product areas or partner implementations end-to-end - Technical strategy: Contribute to build vs. buy decisions and long-term system design across our financial and data infrastructure WHAT YOU BRING - Strong engineering judgment in ambiguous environments. You make decisions with incomplete information, think in tradeoffs, and know when to move fast vs. be careful - Experience building and operating production systems where reliability matters - Strong product intuition, with the ability to translate customer and business needs into product and technical decisions - AI as a force multiplier in your workflow - Strong full stack capability - Experience working with external systems and imperfect data - Ability to operate externally with partners, including scoping integrations, debugging issues, and driving alignment - High ownership and accountability for outcomes TECHNICAL EXPERIENCE - Experience building and shipping production systems - Strong full stack and backend/API design experience - Experience with relational databases (e.g., PostgreSQL) - Familiarity with cloud platforms and production systems - Experience integrating with third-party APIs BONUS POINTS - Experience in fintech, payments, or financial systems - Experience with AWS, Heroku, or similar infrastructure - Experience with mobile (iOS or Android) in embedded or partner contexts TECH STACK We use the following technologies today. Experience with similar tools is completely fine. Backend: Ruby on Rails, PostgreSQL Frontend: React Infrastructure: Heroku EQUAL OPPORTUNITY EMPLOYER Reset is proud to be an Equal Opportunity Employer and is committed to fostering a diverse and inclusive workplace. We hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, veteran status, and any other status. We believe that having a workforce of varying backgrounds, skills, and ideas enables us to better serve our customers and uplift our communities. Lastly, strong candidates may not meet every single qualification listed – we urge you not to exclude yourself prematurely and to still submit an application if you’re interested in the role even if you don’t meet every single qualification.