---
title: 'Senior Software Engineer II, Customer Experience at Kard Financial, Inc.'
canonical: 'https://feeny.ai/job/senior-software-engineer-ii-customer-experience-kard-financial-inc-remote-xh4fkpe0tbwt'
type: 'job'
last_seen: '2026-09-12'
---

# Senior Software Engineer II, Customer Experience at Kard Financial, Inc.

- **Company:** Kard Financial, Inc.
- **Location:** Remote
- **Work type:** remote
- **Posted:** 2026-09-10
- **Last confirmed live:** 2026-09-12
- **Apply:** https://job-boards.greenhouse.io/kardfinancialinc/jobs/4732546005

## Job description

Kard is building commerce media infrastructure that connects financial institutions, financial-services platforms, and merchants through data and merchant-funded rewards. As our reach expands, we are building for a step-change in scale, and for opportunities ranging from more relevant rewards and marketer intelligence to new commerce and distribution models.

## About the Role

The Customer Experience (CX) team owns the systems that power Kard's end-to-end rewards experience: transaction matching and the cellar pipeline, offer ingestion and delivery (including partner integrations like Rewards Network and SEATED), the cell-based routing architecture, and the Support API that keeps our internal and partner-facing tooling running. As a Senior Software Engineer II, you'll operate at the center of this — designing and building the services that ingest, match, and settle transactions at scale, while helping the team raise its bar on operational readiness, testing, and documentation.

This role reports into the CX engineering team, with a strong focus on our issuer and partner-facing surface area, working alongside Support, Design, and Product through Kard's Shape Up-based pitch cycle. You'll drive pitches end-to-end, participate in on-call, and help the team keep pace with a fast-growing transaction volume and issuer surface.

## Responsibilities

- Architect and build scalable services across transaction matching, the cellar pipeline, and offer ingestion — new work defaults to Go and Postgres; existing services are a mix of TypeScript and MongoDB.
- Own features end-to-end through Kard's Shape Up cycle: discovery, pitch writing, implementation, testing, and production rollout, including a written launch/rollback plan for anything touching transaction or offer data.
- Actively participate in on-call, incident response, and IOC (interrupt/on-call) triage; drive root-cause fixes rather than one-off patches (e.g., ingestion validation gaps, UID/timestamp mismatches, Datadog alert coverage).
- Strengthen our issuer/client-facing APIs and SDKs — reliability, clarity, and self-service — so partners and Support can resolve more issues independently, reducing engineering escalations.
- Lead by example: make decisive technical calls and foster collaboration across Product, Design, and Engineering to keep the team moving toward CX's strategic goals.
- Champion enhancements to our tech stack, methodologies, and standards — authentication, rate limiting, deployment, observability, error handling, and test coverage (unit, integration, end-to-end) — with an eye toward resilience, agility, and quality, not just shipping speed.
- Mentor engineers, contribute to design and architecture discussions, and help the team consolidate or deprecate legacy/overlapping services rather than letting them accumulate.
- Write clear documentation and playbooks (local dev setup, deployment, troubleshooting) so ownership doesn't stay concentrated with one or two people.

Desired Skills

- Expert programming skills in Go and/or TypeScript, with experience building scalable, secure, high-performance backend services.
- Solid experience with distributed systems, event-driven architectures (SQS, Temporal), and both relational and document databases (Postgres and MongoDB).
- Proficiency with AWS and Infrastructure-as-Code (Terraform), including container technologies (Kubernetes/EKS) and serverless components (Lambda).
- Experience working on transaction-processing, matching, or ingestion pipelines where correctness and idempotency matter.
- Comfort leading a technical project from discovery through production rollout, including writing clear specs and driving cross-team collaboration (e.g., with Support, Data, or partner integration teams).
- Skilled with agentic software development — using AI tools (e.g., Claude Code, Codex) to plan and implement complex features, not just autocomplete — while still owning the design and quality of the result.
- Commitment to fostering an inclusive, collaborative engineering culture.
- U.S. core business hours availability and willingness to travel for company meetings.

Bonus Points

- Experience with card-linked offers, loyalty, fintech, or another transaction-intensive marketplace.
- Experience with partner data ingestion (file-based or API) and the validation/monitoring needed to run it reliably in production.
- Familiarity with Cognito-based auth, API gateway enforcement (e.g., Envoy), or claims-based authorization.
- Experience with Databricks or a similar data platform, and with migrating services from a legacy stack (e.g., Databricks to Postgres/Lakebase) without disrupting production.
- Contributions to the tech community or open-source projects.
- Past success in startup settings, and a track record of empathy, collaboration, and productivity in remote work.

## Compensation

- United States: $160,000 - $190,000 USD
- Argentina: $120,000 - $140,000 USD

Why Join:

Kard recognizes the unique value each of us brings to our collective success. As part of our remote-first team, you'll have the autonomy to influence our trajectory, actively contributing to the growth of our business and the evolution of our company culture. By embodying our core values of Initiative, Openness, and Humility, you will not only witness but directly foster an inclusive and dynamic work environment, from the executive level down.

Our competitive benefit plan includes:

- Flexible PTO, with a minimum requirement to take one day off a quarter, ten days a year, promoting mental well-being
- Observance of 11 Federal Holidays, plus an additional day each for Black Friday and Christmas Eve (US employees only)
- Health, Dental and Vision Insurance
- 401k with employer match (US employees only)
- Coworking space and WFH setup reimbursement
- Company Offsites for planning, team-building, and networking

Kard is an equal opportunity employer and we actively encourage applicants of all genders, backgrounds, and experiences to apply. We believe that diverse perspectives enrich our workplace and drive our success.

## About Kard Financial, Inc.

## Company Overview
- **One-liner**: Kard is a rewards-as-a-service API platform and the first independent commerce media network that uses predictive AI and first-party transaction data to power hyperpersonalized offers and performance marketing.
- **Entity Type**: Private (funded startup; raised $30 million total, including $23 million Series A)
- **Headquarters**: Remote‑first, United States (team across all U.S. time zones)
- **Founded**: 2015
- **Founders**: Ben Mackinnon

## Core Business
- **Primary Industries**: Commerce media / loyalty / rewards‑as‑a‑service; adtech; fintech.
- **Target Customers**: B2B – fintech companies, banks, card issuers (FIs), and merchants (both online and brick‑and‑mortar).
- **Mission**: Build the first open loyalty system – a rewards‑as‑a‑service platform that enables modern issuers to connect consumers with brands they love.

## Products & Services
- **Commerce Media Network (for merchants)**: A pay‑for‑performance ad solution where merchants only pay for verified purchases, not impressions. Uses transaction data from 47M+ cardholders to target new, existing, or lapsed customers with personalized offers (location‑based, tiered, spending challenges). Includes A/B testing, AI‑driven insights, and real‑time adjustments.
- **Rewards‑as‑a‑Service API Platform (for fintechs & FIs)**: An API‑first platform that allows issuers to design their own loyalty UX while Kard handles the backend – offer management, transaction tracking, push notifications, and email campaigns. PCI‑Compliant and SOC 2 certified.
- **Realtime Ad Network**: Leverages transaction data from tens of millions of consumers to give advertisers insights into shopping behavior across the entire wallet.

## Market Standing
- **Valuation / Market Cap**: Not disclosed.
- **Key Metric**: **Total Funding** – $30 million (including a $23 million Series A round).  
  *Annual revenue is not publicly available.*
- **Notable Investors / Partners**: Not named explicitly in provided materials, but listed as “backed by $30M from industry‑leading investors and seasoned experts.” Also named “Techstars mentor” and “active angel investor in fintech and adtech startups” in founder bio – suggests affiliation with Techstars.
- **Growth Signals**: 
  - Named to the **2024 Fintech Innovation 50**.
  - Earned a spot on the **Inc. 5000 list of America’s Fastest‑Growing Private Companies**.
  - Employees: ~50 team members (as of latest careers FAQ) and “growing rapidly.”
  - Claims 47M+ cardholders in its network, 25K+ US locations, and metrics such as 15% re‑engagement of previously inactive cardholders and 40% more repeat purchases.

## Competitive Advantages
- **First independent commerce media network** – operates as a neutral, open platform not owned by a single bank or card network.
- **Pay‑only‑for‑verified‑purchases** model (performance‑based, not impression‑based).
- **Real first‑party transaction data** from millions of Gen Z and Millennial shoppers, enable hyperpersonalization and closed‑loop measurement.
- **API‑first, flexible design** – issuers can keep their own UX while Kard handles the heavy lifting.
- **PCI‑Compliant and SOC 2 certified** – security credentials that satisfy the largest banks and fintechs.

## Strategic Focus
- Expand the open loyalty system by onboarding more issuers, fintechs, and merchants.
- Deepen AI‑powered predictive targeting and real‑time offer optimization.
- Grow the network effect: more cardholders → better transaction data → more effective offers → more merchants and issuers joining.
- Continue scaling the “real‑time ad network” to provide cross‑merchant insights.

## Why Work Here
- **Fully remote** – “100% remote” with employees in every U.S. time zone. Work‑from‑home reimbursements and wellness stipend provided.
- **Great benefits**: Open PTO, health/vision/dental insurance, employer 401k contributions, paid parental leave, development budget.
- **Culture**: Emphasizes humility, initiative, openness, and inclusivity. Annual team offsites (2+ per year) to strengthen bonds.
- **Transparent compensation** – salary ranges included in every job description; pay targets “meet or exceed 75% of the current market rate.”
- **Structured, respectful hiring process** – interview process designed to be completed in 3–4 weeks, with take‑home assignments for R&D roles. Strong commitment to diversity and reducing bias.
- **Current open roles (R&D & Sales)**: Measurement Lead, Senior Analytics Engineer, Senior Data Scientist, Merchant Account Executive – all remote.

## Sources
1. [getkard.com](https://www.getkard.com/) – Company overview, product features, security, network stats.
2. [getkard.com/careers](https://www.getkard.com/careers) – Benefits, values, remote policy, inclusivity.
3. [getkard.com/about](https://www.getkard.com/about) – History, founder, mission, Series A funding, awards (Fintech Innovation 50, Inc. 5000).
4. [getkard.com/guide-to-interviewing-at-kard](https://www.getkard.com/guide-to-interviewing-at-kard) – Interview process, team size (~50), remote FAQ, compensation philosophy.
5. [job-boards.greenhouse.io/kardfinancialinc](https://job-boards.greenhouse.io/kardfinancialinc) – Open positions, total funding ($30M), investors.

## Other roles at Kard Financial, Inc.

- [Software Engineering Manager, Data](https://feeny.ai/job/software-engineering-manager-data-kard-financial-inc-remote-k65thw4cq40f)
- [Senior Machine Learning Engineer](https://feeny.ai/job/senior-machine-learning-engineer-kard-financial-inc-remote-nxr7e5eadr6a)
- [Staff Product Manager, Data & Platform](https://feeny.ai/job/staff-product-manager-data-platform-kard-financial-inc-remote-2dafcc8tdg47)
- [Data Support Analyst (India)](https://feeny.ai/job/data-support-analyst-india-kard-financial-inc-remote-58snzk1q0bxj)
- [Merchant Account Executive](https://feeny.ai/job/merchant-account-executive-kard-financial-inc-remote-q8hh5fxftkxq)
- [Senior Data Scientist](https://feeny.ai/job/senior-data-scientist-kard-financial-inc-remote-f5h7gg3mfdn9)
- [Measurement Lead](https://feeny.ai/job/measurement-lead-kard-financial-inc-remote-5t8zbw76atv3)