POSITION SUMMARY

The Software Engineer designs and builds infrastructure and applications for BillGO’s products. The Software Engineer’s duties include designing features and functionality that can implemented securely and reliably with a focus on performance at scale. This role will be collaborating internally with teammates and other teams as well as externally with third party vendors through a variety of transmission protocols. This role will be fully responsible for code through design, implementation, maintenance, and monitoring.

About the Role
As our Issuing Engineer, you will:

• Design, build, and maintain the core systems behind our virtual card issuing platform
• Integrate AI-powered services for fraud detection, anomaly monitoring, and transaction insights
• Build APIs and services that power card creation, spend controls, tokenization, and reconciliations
• Collaborate with Product, Risk, and AI/ML teams to develop machine learning–driven authorization rules and customer-facing analytics
• Work closely with network partners (Visa, Mastercard) and issuing processors to ensure secure, compliant, and performant issuing flows
• Act as a subject matter expert on issuing technology and AI-driven enhancements

What You’ll Do

• Lead technical development of issuing features: card lifecycle management, spend controls, tokenization, and real-time transaction processing
• Own integrations with card networks and issuing processors (Marqeta, Galileo, Lithic, or direct to network)
• Build resilient, observable systems that handle real-time authorization events and sensitive payment data
• Implement real-time AI-based fraud detection pipelines that learn from transaction patterns
• Integrate LLM-powered support and operations tooling for internal teams (e.g., automated dispute summaries, transaction anomaly explanations)
• Build AI-driven customer dashboards showing spend patterns, merchant risk profiles, and cost optimization recommendations
• Participate in architecture reviews, incident response, and production hardening
• Monitor and optimize system performance and cost-efficiency as the platform scales
• Stay current on card network updates, fraud trends, AI advancements, and regulatory shifts

You May Be a Good Fit If You

• Have 5+ years backend engineering experience, ideally in FinTech or Payments
• Have 2+ years working directly on card issuing, processing, or payment systems
• Are comfortable with card networks, BIN sponsors, issuing processors
• Understand authorization flows, ISO8583, PCI-DSS, and tokenization
• Are fluent in backend development (Node.js, Python, Go, or Java) and distributed system design
• Have hands-on experience integrating AI/ML models into production systems
• Can design secure, auditable, and highly-available services
• Located in northern Colorado or the greater Denver area
• Are product-minded and love influencing roadmaps with data-driven and AI-enabled insights
• Thrive in startup environments with evolving needs

Nice to have

• Experience with Marqeta, Galileo, Lithic, or other issuing platforms
• Experience with fraud detection models, merchant categorization ML, or real-time anomaly detection
• Familiar with vector databases and LLM orchestration frameworks (LangChain, Semantic Kernel, etc.)
• Built customer-facing AI features such as transaction categorization, forecasting, or spend optimization
• Exposure to PCI-DSS, SOC 2, KYC/AML, and compliance-heavy environments