Blockchain Payments Engineer
MLabs
- London, England, United Kingdom
- London, England, United Kingdom
About
In-person, London, UK
Compensation:
$250K – $300K
Join a team of elite builders and a high-growth software company redefining what is possible in the fintech and crypto space. We operate with a philosophy of
speed, ownership, and talent density , driving towards a future where financial flows are seamless and instantaneous.
As the
Lead Blockchain Payments Engineer , you will be a core architect and owner of our essential financial infrastructure. This high-impact role requires you to design and scale the core services that power
seamless fiat ↔ crypto flows , real-time risk decisions, and rock-solid financial records for a high-volume, global platform.
You will act as a backend and onramp specialist, leading the development of high-throughput, low-latency distributed systems that manage the entire financial lifecycle from user deposit to on-chain settlement.
Payment Orchestration & Integrations
Own the end-to-end payment orchestration for major bank rails (ACH/RTP/FedNow/SEPA/Open Banking) and card schemes (including Apple Pay/Google Pay)
Design and implement idempotent, fault-tolerant APIs and robust webhook processing systems
Integrate and manage third-party providers for connectivity (Plaid/TrueLayer/Tink), card processing (Stripe/Checkout.com/Adyen), and on-chain risk/compliance (Chainalysis/TRM, Travel Rule networks)
Real-Time Risk & Compliance
Build and scale a real-time risk engine ($≤ 300ms) combining ML scores, rules, device signals, sanctions/KYC hits, and payment intelligence to yield fast GREEN/AMBER/RED outcomes
Implement foundational KYC/AML primitives (CIP/CDD, sanctions/PEP screening, Travel Rule data plumbing) in close partnership with the Compliance team, ensuring audit-ready decision journaling
Financial Integrity & Reconciliation
Ship a double-entry ledger and automated reconciliation jobs that accurately tie together processors, bank statements, and on-chain balances
Develop daily break detection and automated remediation workflows to maintain absolute financial integrity
Blockchain & Operations
Ensure safe and rapid crypto delivery (e.g., USDC/SOL) to user wallets by managing hot‑wallet flows, transaction creation, confirmations, and operational safeguards
Instrument everything with traces, metrics, and logs. Build internal operations and compliance dashboards and participate in the production on‑call rotation for our 24/7 system
Cross-Functional Collaboration
Work closely with Product, Mobile, Compliance, Risk, and Finance teams, driving features from initial concept through production deployment and iteration
Requirements
Fiat Onramp Expertise: Proven experience building fiat ramps end-to-end, including bank and card integrations
System Design & Scale: Deep experience designing and scaling high-throughput, low-latency distributed systems in payments, fintech, or risk platforms
Language Fluency: Fluent in one or more systems languages (Rust, Go), or strong systems chops in TypeScript/Node/Python
Database Mastery: Expert-level knowledge of Postgres (transactions, indexing, locking), with familiarity in Redis and event/OLAP stores (Kafka/Redpanda, ClickHouse)
API & Webhook Craftsmanship: Mastery of gRPC/REST best practices (versioning, idempotency keys) and building rock-solid webhook consumers
Event-Driven Design: Experience designing systems with queues, outbox/inbox patterns, Sagas, and ensuring exactly‑once‑effective behavior for financial transactions
Security Mindset: Practical experience with key management (HSM/KMS), secrets hygiene, least privilege, and data auditability
Ownership & Ambiguity: Ownership-driven and comfortable operating in high‑ambiguity environments—you move quickly, measure results, and iterate aggressively
Nice to Have (Signal Boosters)
Payments: ACH/NACHA returns, 3DS/SCA, AVS/CVV, BIN analysis, chargeback workflows, Apple/Google Pay
Compliance Plumbing: Experience with sanctions/PEP screening, Travel Rule networks (e.g., Notabene/TRISA), and SAR/STR workflow integration
Accounting: Experience with double-entry ledgers, reconciliation jobs, and data modeling for regulatory/tax reporting
Crypto Delivery: Solana RPCs, USDC flows, wallet operations, and Chainalysis/TRM integrations
Infra: Experience with AWS, Terraform, Docker/Kubernetes, and OpenTelemetry/Prometheus/Grafana
Benefits
Compensation: Competitive Base Salary
Incentives: Token/Equity package for long-term alignment
Culture: High-impact role in a company driven by speed, ownership, and talent density
Location: Full-time, in-person role in London
Due to the high volume of applications we anticipate, we regret that we are unable to provide individual feedback to all candidates. If you do not hear back from us within 4 weeks of your application, please assume that you have not been successful on this occasion. We genuinely appreciate your interest and wish you the best in your job search.
Commitment to Equality and Accessibility: At MLabs, we are committed to offer equal opportunities to all candidates. We ensure no discrimination, accessible job adverts, and providing information in accessible formats. Our goal is to foster a diverse, inclusive workplace with equal opportunities for all. If you need any reasonable adjustments during any part of the hiring process or you would like to see the job‑advert in an accessible format please let us know at the earliest opportunity by emailing human-resources@mlabs.city.
MLabs Ltd collects and processes the personal information you provide such as your contact details, work history, resume, and other relevant data for recruitment purposes only. This information is managed securely in accordance with MLabs Ltd's Privacy Policy and Information Security Policy, and in compliance with applicable data protection laws. Your data may be shared only with clients and trusted partners where necessary for recruitment purposes. You may request the deletion of your data or withdraw your consent at any time by contacting legal@mlabs.city.
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Languages
- English
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