At a Glance
- Tasks: Design and scale innovative fiat-to-crypto payment systems in a fast-paced environment.
- Company: Join an elite fintech team shaping the future of crypto infrastructure.
- Benefits: Competitive salary, equity options, and a dynamic work culture.
- Other info: Collaborate with top talent and enjoy excellent career growth opportunities.
- Why this job: Be at the forefront of financial technology and make a real impact.
- Qualifications: Experience in payments, strong coding skills, and a passion for innovation.
The predicted salary is between 36000 - 60000 £ per year.
Our client is an elite team of builders operating at the intersection of fintech and high-scale crypto infrastructure. As a high-growth software organization, the company is responsible for developing the technology behind some of the largest crypto social networks and digital asset launchpads globally. The organization is defined by a philosophy of extreme talent density, rapid iteration, and technical ownership.
The Lead Blockchain Payments Engineer (Fiat Ramps) will serve as a core architect of the firm's financial infrastructure. This role is responsible for designing and scaling the services that power seamless fiat-to-crypto flows, real-time risk decisioning, and immutable financial records. Based in London, this is a full-time, in-person position for an engineer who thrives in high-throughput, low-latency environments and is passionate about building the future of global value transfer.
Key Responsibilities- Payment Orchestration & Integrations: Own end-to-end orchestration for major bank rails (ACH, RTP, FedNow, SEPA, Open Banking) and card networks (Apple Pay, Google Pay). Design and implement idempotent, fault-tolerant APIs and robust webhook processing systems. Manage third-party provider integrations for connectivity (Plaid, TrueLayer), processing (Stripe, Adyen), and on-chain compliance (Chainalysis, TRM).
- Real-Time Risk & Compliance: Build and scale a real-time risk engine targeting latencies of ≤ 300ms, incorporating ML scores, device signals, and blockchain analytics. Implement foundational KYC/AML primitives and Travel Rule data plumbing in collaboration with the Compliance team to ensure audit-ready journaling.
- Financial Integrity & Reconciliation: Architect a double-entry ledger and automated reconciliation jobs to synchronize processors, bank statements, and on-chain balances. Develop automated break detection and remediation workflows to maintain absolute financial integrity.
- Blockchain & Wallet Operations: Manage hot-wallet flows, transaction creation, and operational safeguards to ensure safe, rapid delivery of crypto assets (e.g., USDC, SOL).
- Reliability & Instrumentation: Establish high standards for reliability using circuit breakers, dead-letter queues, shadow traffic, and canary releases. Instrument all high-risk financial flows with comprehensive traces, metrics, and logs using OpenTelemetry and Grafana.
- Cross-Functional Collaboration: Work closely with Product, Mobile, Compliance, Risk, and Finance teams to drive features from initial concept through production deployment and iteration.
- 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 behaviour 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.
- 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.
High-Impact Ownership: Every team member is empowered to make significant architectural and business decisions. Talent Density: Work alongside an elite group of engineers and builders in a high-performance environment. Cutting-Edge Tech: Direct exposure to a modern stack including Rust, Go, Kafka, and AWS (EKS, RDS, KMS). Speed & Autonomy: An environment that values shipping and iteration over bureaucracy and perfectionism. Competitive Package: A high-tier compensation structure including Base Salary plus Equity/Tokens.
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.
Blockchain Payments Engineer employer: MLabs Ltd
At MLabs, we pride ourselves on being an exceptional employer, offering a dynamic work culture that fosters innovation and collaboration among elite engineers in the fintech and crypto space. Our London-based team enjoys competitive compensation packages, including equity opportunities, and is empowered to take ownership of their projects in a fast-paced environment that values speed and autonomy. With a commitment to employee growth and a focus on cutting-edge technology, we provide our team members with the resources and support they need to thrive and make a meaningful impact in the world of financial infrastructure.
StudySmarter Expert Advice🤫
We think this is how you could land Blockchain Payments Engineer
✨Tip Number 1
Network like a pro! Get out there and connect with folks in the fintech and crypto space. Attend meetups, webinars, or even just grab a coffee with someone who’s already in the industry. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Show off your skills! Create a portfolio or GitHub repository showcasing your projects, especially those related to blockchain payments or financial infrastructure. This gives potential employers a taste of what you can do and sets you apart from the crowd.
✨Tip Number 3
Prepare for interviews by diving deep into the company’s tech stack and recent projects. Be ready to discuss how your experience aligns with their needs, especially around payment orchestration and real-time risk management. Confidence is key!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive about their job search. Let’s build the future of global value transfer together!
We think you need these skills to ace Blockchain Payments Engineer
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the role of Lead Blockchain Payments Engineer. Highlight your experience with fiat ramps, payment orchestration, and any relevant tech stacks like Rust or Go. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about blockchain payments and how your previous experiences make you a perfect fit for our team. Keep it engaging and personal – we love a good story!
Showcase Your Projects:If you've worked on any projects related to payments, fintech, or blockchain, make sure to mention them. Include links or descriptions that demonstrate your expertise in building high-throughput systems. We’re keen to see what you’ve built!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re serious about joining our elite team of builders!
How to prepare for a job interview at MLabs Ltd
✨Know Your Tech Stack
Make sure you’re well-versed in the technologies mentioned in the job description, like Rust, Go, and Postgres. Brush up on your knowledge of APIs, webhooks, and event-driven design. Being able to discuss these topics confidently will show that you’re ready to hit the ground running.
✨Demonstrate Problem-Solving Skills
Prepare to discuss specific challenges you've faced in previous roles, especially related to payment orchestration or real-time risk engines. Use the STAR method (Situation, Task, Action, Result) to structure your answers and highlight your problem-solving abilities.
✨Showcase Your Collaboration Experience
This role requires cross-functional collaboration, so be ready to share examples of how you've worked with product, compliance, or finance teams in the past. Emphasise your ability to communicate effectively and drive projects from concept to deployment.
✨Ask Insightful Questions
Prepare thoughtful questions about the company’s approach to financial integrity, compliance, and their tech stack. This not only shows your interest in the role but also helps you gauge if the company culture aligns with your values and work style.
