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
