Architect (Back End, Senior)

About Xe

Xe is a cross-border payments platform. We help SMEs and consumers in the US, UK, Canada, Australia, and New Zealand collect, convert, hold, and send money across markets. Each year, over 300 million people use Xe for currency information and over 350,000 use us to send money overseas.

Today, we're rebuilding the platform layer behind cross-border payments for corporate and consumer clients. We're small enough that your code ships fast and your decisions matter, and Euronet Worldwide (Nasdaq: EEFT) backs us so the problems stay real-scale.

About This Role

We're hiring a Senior Architect who owns architectural problems end-to-end and shapes how the engineering org builds, from system design and API contracts through implementation, reliability, and the patterns that make the next integration cheaper. You already use AI as part of how you think, design, build, and ship.

You'll design the systems that move money in production, set the API and integration patterns the engineering org adopts, and stay hands-on where it matters most. The work spans the ledger and balances data model, settlement and reconciliation, treasury operations, and the back-office systems that run money movement behind the customer-facing product.

You set architecture direction across the engineering org, lead cross-cutting decisions, and mentor mid-level architects and team leads.

What You'll Do

• Own the architecture for Xe's back-office and money-movement core: the ledger and balances data model, settlement and reconciliation, treasury operations, and how new capability plugs into the systems of record.
• Stay hands-on: lead prototyping of patterns that engineers adopt, write code in the hardest parts of new architecture, and lead architecture reviews across squads.
• Set architecture standards across the engineering org: API design, observability, security, and integration patterns that reduce the cost of the next integration.
• Lead cross-cutting architecture decisions, mentor mid-level architects and team leads, and grow the architecture practice across the engineering org.
• Lead how the engineering org adopts AI in architecture work: use agentic coding tools (Copilot, Cursor, Claude Code, or equivalent) daily across the SDLC, and shape AI use across design, code, testing, and documentation.

What We're Looking For

Must-have

• 7 to 10+ years building production software systems end-to-end, with at least 3 years in architecture-leaning work such as system design, platform engineering, or technical leadership.
• Track record designing and setting system architecture across multiple teams or the engineering org, including leading architecture reviews and mentoring architects and team leads.
• Strong backend proficiency in C# / .NET, our core enterprise stack, with hands-on coding still part of daily work; comfortable building on it long-term, with experience in other modern backend languages (Java, Kotlin, Go, or equivalent) transferring well.
• Solid CS fundamentals: object-oriented design, domain-driven design, data structures, and pragmatic system design.
• Deep understanding of service-oriented or microservices architecture, REST API design, and event-driven patterns.
• Strong SQL and relational database fundamentals, with familiarity with NoSQL where it fits.
• Production experience with AWS, including CI/CD pipelines (GitHub Actions or equivalent).
• Payments, FX, or regulated-industry experience.
• Daily use of agentic coding tools (Copilot, Cursor, Claude Code, or equivalent) across the SDLC, with a clear point of view on how AI fits into architecture work.
• Strong written and verbal communication, including the ability to explain architectural tradeoffs to engineering, product, and business audiences.

Nice-to-have

• Experience with ledgers, double-entry, or other financial-data systems.
• Experience with settlement, reconciliation, or treasury systems.
• Familiarity with TOGAF, SAFe, or other architectural frameworks.
• Experience hiring, interviewing, or onboarding engineers and architects.
• Experience leading large-scale platform migrations or architecture transitions.

Perks & Benefits

• Medical, Dental & Vision Insurance
• 401K Plan with Match
• Employee Stock Purchase Plan
• Paid Vacation / Sick Leave
• Hybrid Work Schedule
• Tuition Assistance
• Growth Opportunities
• Corporate gatherings & team bonding events
• Plumm Mental Health and Wellbeing
• Volunteering day for a charity of your choice

XE offers a competitive salary and benefits package. The reasonable estimated pay for this role ranges from $109,600 USD to $162,200 USD. Actual compensation is based upon factors such as the candidate's skills, qualifications, and experience.

We want Xe to be a great place to work and to ensure that our communities are represented across our workforce. A vital part of this is ensuring we are a truly inclusive organization that encourages diversity in all respects.

Xe is an Equal Employment Opportunity employer. All qualified applicants will be considered for employment regardless of age, national origin, race, color, disability, religion, sexual orientation, gender identity or expression, or any other characteristic protected under applicable law. We are committed to providing reasonable accommodations to qualified individuals with disabilities.

If you need assistance or an accommodation due to a disability, you may contact us at recruitment@xe.com.

The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company's right to assign or reassign duties and responsibilities to this job as needed.