As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.
We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.
POSITION SUMMARY
We're looking for an exceptional Senior Staff Software Engineer to help define and evolve the Identity & Trust platform that enables secure, effortless access and trustworthy customer onboarding across EarnIn's expanding consumer and enterprise ecosystem. This role spans identity, authentication, authorization, identity verification, privacy, data protection, secure document processing, user/entity resolution, and fraud prevention. You'll architect foundational capabilities that are consumed across the company—from establishing that a customer is who they claim to be, to protecting their sensitive information, securely handling identity documents, and ensuring duplicate or abusive identities are detected and prevented.
As a Senior Staff Engineer, you'll operate at both a deep technical and organizational scale. You'll shape multi-year platform strategy, lead architecture across multiple teams, solve ambiguous and high-impact technical problems, and establish engineering patterns that allow teams across EarnIn to build trusted customer experiences safely and quickly. You'll also help define how AI and agentic engineering workflows can safely amplify engineering productivity, while establishing appropriate guardrails for security, privacy, correctness, and operational reliability. The base salary range for this full-time position is $279,000-$341,000 + equity + benefits. Our salary ranges are determined by role, level, and location. This hybrid position requires in-person work from our Mountain View HQ 2 days a week.
WHAT YOU'LL DO
WHAT WE'RE LOOKING FOR
WHAT SUCCESS LOOKS LIKE
Success in this role is measured by the technical leverage and trust infrastructure you create across EarnIn, not simply by the services you personally build. You will help establish a cohesive Identity & Trust platform that makes it easier for every product team to build secure customer experiences. You'll create durable architectural foundations for who a customer is, whether they can be trusted, what they can access, and how their most sensitive information is protected.
You'll anticipate scale, security, regulatory, and product challenges before they become organizational constraints; simplify fragmented capabilities into reusable platform primitives; and enable engineering teams to move faster without compromising trust or safety. You'll operate comfortably from deep technical implementation to company-level strategy—diving into code and production systems when necessary, leading architecture across teams, mentoring senior technical leaders, and establishing technical direction for some of EarnIn's most critical foundational capabilities.
#LI-Hybrid
At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.
EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.
Job details are sourced from the employer's original posting.
Open job postingAbout the company
EarnIn lets you access your money as you earn it — not days or weeks later. We're reimagining the way money moves to make financial momentum accessible to everyone. That starts with payday every day and builds with tools like credit monitoring, automated savings accounts, and low-balance protection. All with no interest, no credit checks, and no mandatory fees. So our customers have as many options as possible to save and spend on their terms. EarnIn's pioneering Earned Wage Access app is backed by world-class partners like A16Z, Matrix Partners, and DST. Since our founding in 2013, 3.8 million customers have given it over 380,000 5-star reviews for helping them access over $15 billion in earnings. That means: - 49% can now cover an unexpected expense of $400 since using EarnIn - 73% can budget more effectively with EarnIn - 66% have been able to pay bills on time with EarnIn's help We're proud of that impact. Because no one should feel stuck — held back from their ambitions, their life — simply because they can't access the money they've already earned. That's why EarnIn is here, to help people move forward with the lives they want today and the goals they have for tomorrow. Join us. EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.