Software Engineer (Java)

We are building the financial system for the next century. One where control sits in the hands of customers — not banks. Where money moves on rails that are faster, smarter, and radically more efficient. Where wealth management tools help you grow your savings for decades — and build generational wealth. Where fewer intermediaries mean more value stays where it belongs: in our customers’ pockets. We operate with long-term ambition and absolute conviction. We are not here to iterate on the past — we are here to redesign it. This is a defining moment to join us. We are building what we believe will become one of the most important financial institutions in the world. That requires exceptional talent, relentless standards, and people who care deeply about the work.

At ARQ, we are turning the financial system upside down — starting in the Americas. We are nimble, but ambitious. We move fast, learn fast, and innovate relentlessly. Technology is our greatest ally, and execution is our edge. We build as a team. We think long term. We aim for world-class in everything we do. If you are exceptional at what you do — and ready to help redefine finance — we’d love to meet you. Are you ready to build what comes next?

About the team: We believe that small teams of exceptional people outcompete massive companies with mediocre talent. That’s why we have assembled a group of people who have done it before at iconic companies like Revolut, Apple, Uber, Amazon, and Block. We’ve owned some of the most loved and profitable products in the world, delivered transaction platforms operating at massive scale, created beautiful mobile applications — and built things that have changed the lives of millions of people.

We don’t believe in 9-to-5 and we don’t believe in work-life balance as most companies sell it. We believe building the largest financial institution in the world takes long hours, every day, for years — and we like it that way. If you don’t, don’t apply.

To reshape the global financial system, we’ve raised capital from some of the world’s best investors: Sequoia Capital, Founders Fund, Brevan Howard Digital, Y Combinator, and Kaszek Ventures.

ARQ is one of the fastest-growing fintechs in the world. Our mission is to redefine how people interact with money across borders, building the infrastructure to move value seamlessly. We’re still early in our journey, which means every person who joins shapes the future of our product, culture, and growth. If you’re excited by big challenges, global impact, and the chance to grow fast with a world-class team, ARQ is the place to do it.

What we're looking for: As a Backend Engineer, you’ll design, develop, and maintain scalable, secure, and high-performing backend systems that power our innovative products. You’ll collaborate with a talented team to create solutions that drive financial inclusion and transform the way people manage their money.

What you'll be doing: The work will focus on greenfield development and improvement of existing systems. Projects will include building REST APIs, engineering microservices and evolving a number of systems that our business depends on (e.g. card payments, treasury management, transactions booking, crypto liquidity). Our technology stack is based predominantly on Java 25 on the backend with Postgres database. We rely on Spring Boot for quick and quality delivery. We have a pragmatic approach to develop our business logic, focusing on clean code, with emphasis on maintainability and fast turnaround with TDD, DDD and continuous integration & delivery.

What you'll need: Demonstrable experience in Backend development, with fluency in Java. Bachelor's Degree (or above) in Computer Science, Mathematics, Physics, or other Engineering / Science disciplines. Quick learner with an ambitious and results driven personality, with excellent communication skills (English fluency, verbal and written). Track record of building complex products that millions of people use in hypergrowth startups.

Competitive salary and benefits, stock options, so you own part of what you build, discretionary performance bonus, the latest tools and technology, a world-class team that will challenge and grow your skills, and the opportunity to help build the best fintech app in Latin America. Office Policy: 3-4 days a week in‑office.