Software Engineer

Working at Fnality

Be your best: We have a supportive culture that helps to bring the best out of each and every single one of our employees.

Feel free to explore: Bring your new ideas and help us to solve problems together by joining a community of experts.

Be part of something bigger: We will support you by fostering an open, honest culture, that enables flexibility and wellbeing. Feel part of something bigger while being yourself.

Feel empowered: We want you to feel empowered. The nature of our business can help make this a reality. We have the agility, speed and innovation of a start‑up, and a flexible working environment that enables this.

Role Purpose: Fnality is creating infrastructure for the future of wholesale payments, and we are seeking engineers who are genuinely excited by hard problems. If you bring a growth mindset, embrace modern practices, and use AI as fluently as any other tool in your craft, we'd like to talk. We are seeking engineers that bring strong fundamentals and pair them with genuine, practical experience using modern development tooling, including AI. You are curious about where technology is heading, willing to experiment, and grounded enough to apply new tools responsibly within a highly regulated environment. You will have strong back‑end experience and ideally enough front‑end exposure to contribute in a cross‑functional team. You are a self‑starter who understands that working in financial services means balancing pace with rigour. You know how to get things done without cutting corners that matter.

What You'll Do:

• Design, build, and maintain backend services, APIs, and distributed systems that underpin payment and settlement infrastructure at scale.
• Write code that is clear, testable, and built to last - and hold that standard in every code review.
• Contribute to architectural decisions across distributed systems, with resilience, security, and scalability as non‑negotiables.
• Use AI‑assisted development tools as a natural part of your workflow - to move faster, sharpen your thinking, and build things you'd otherwise spend days on.
• Build the AI layer, not just use it - design and implement MCP servers, agents, and skills that extend what AI systems can do and connect them to real infrastructure.
• Identify where AI capabilities can add genuine value in products, operations, or internal tooling, and take them from proof of concept to production.
• Own the full delivery lifecycle: design, build, test, ship, monitor, improve.
• Support CI/CD pipelines, observability, and cloud infrastructure.

How You Work:

• You ship. You move through ambiguity, make pragmatic decisions, and get things across the line without waiting for perfect conditions.
• You take ownership end to end - from the first design conversation to what's running in production.
• You have a growth mindset: you experiment, reflect on what worked, and raise the bar continuously.
• You know where AI adds value and where it doesn't - and you're confident enough to say so, push back on hype, and make the right call for the problem in front of you.
• You understand that pace and rigour are not opposites - in a regulated environment, both are expected and you know how to hold them together.
• You share what you learn and make the engineers around you better.

What We're Looking For:

Required:

• Strong software engineering experience; Java essential, Go, Rust, or Python a strong plus.
• Demonstrable, hands‑on experience using AI development tools as part of everyday engineering work.
• Experience building MCP servers, AI agents, and skills - constructing the integrations and autonomous workflows that underpin AI systems, not just consuming them.
• Experience building scalable enterprise applications and APIs.
• Understanding of distributed systems, cloud‑native architectures, and software design patterns.
• Agile delivery experience, ideally from fintech, financial services, or a regulated environment.
• Back‑end depth and enough front‑end exposure to work effectively across the stack.
• Degree in Computer Science or equivalent practical experience.

Preferred:

• Experience in payments, digital assets, DeFi, or regulated financial services.
• Knowledge of distributed ledger technologies and blockchain platforms.
• Experience with Azure OpenAI, RAG, or enterprise AI solutions.

Why should you join Fnality? We employ curious individuals who thrive working in a fast‑paced and constantly changing environment, who work best when empowered to drive their own work, and who are not afraid to fail fast and learn quicker. You will join a team working on the next iteration of the payment system at a time when Fnality is onboarding with major currencies. The work involves evolving the core payment infrastructure, a critical part of Fnality’s product offering. You will be part of a growing in‑house capability, joining early enough to shape how it's built.

A bit more about us: Digital transformation is changing our lives, work and businesses. While other sectors evolve, however, financial markets remain slow, fragmented and siloed. What the world needs now is a future‑facing financial system for the digital age. At Fnality, we have been speaking – and listening – to the real users of today’s financial systems. From businesses to banks, there is a clear, collective ambition for a simpler, faster, safer and more resilient payment system; one that can move and settle money quickly and efficiently, with minimized risk and much more transparency.

Fnality Global Payments: We are building a network of new payment systems that will enable tokenised, peer‑to‑peer markets. Fnality Global Payments (FnGP) will comprise a series of national systems, each regulated in its home jurisdiction. We call each of these a Fnality Payment System (FnPS). In each payment system, a Fnality settlement asset will act as the settlement/payment asset for any Payment (P), Delivery vs. Payment (DvP) or Payment vs. Payment (PvP) need. FnGP are underpinned by Distributed Ledger Technology (DLT). The nature of DLT is such that it enables FnGP to:

• Allow for immediate settlement.
• Interoperate across business platforms and jurisdictions.

The key benefits of the above are:

• Reduced counter‑party and credit risk.
• Reduced operational risk.
• Efficient liquidity management.
• An ability to move resources from risk mitigation to business growth.

This is a London based role and you must be eligible to work in the UK. Please note we cannot sponsor visas for this role.

How will we use the information about you? We will use your personal information to process your application, to enable us to assess your suitability for a role and for other legitimate business purposes such as improving our sites and talent management practices. We may share your data with third parties to achieve these purposes. We will not use or share your information for marketing purposes. We will take appropriate security measures to safeguard your information in accordance with data protection legislation. If you would like further information about how your information may be processed by us, please contact us at privacy@fnality.org.