Software Engineer II

Who We Are

Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.

Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.

About Our Team

Cross River’s AI Transformation team is a newly formed group of problem solvers passionate about bridging the gap between cutting-edge AI capabilities and real-world business needs. Based in-office at our Fort Lee, New Jersey headquarters, we work face-to-face with stakeholders across the organization to identify opportunities, adopt and adapt AI tools, and build sustainable solutions. Our mission is to bring AI-powered solutions to life, ensure they are maintainable, auditable, and resilient, and to continuously leverage advances in AI technologies for the benefit of the business.

What We're Looking For

We are looking for a Software Engineer II to focus on solutions for our AI Transformation team. You will work in-office at least four days per week at our Fort Lee, New Jersey headquarters. With guidance from your Engineering Manager and a Senior Software Engineer, you will collaborate closely with an AI strategy team and collaborate face-to-face with business stakeholders to deeply understand their problems, cut through surface-level descriptions to identify root challenges, and write the code that solves real problems. You will work closely with other software and QA engineers in and outside of your team. We are looking for someone who has worked within ambiguity and seeks out and applies strong engineering disciplines to deliver sustainable, AI-centered or augmented outcomes.

Responsibilities:

• Design, develop, and deliver scalable software modules and components
• Build backend systems using a mix of technologies. Languages may include C# (.NET 10), Python, and JavaScript/TypeScript. Databases may include PostgreSQL and SQL Server. Infrastructure includes AWS, Docker, and Kubernetes
• Implement, test, and iterate on software solutions that address both short-term and long-term considerations with a maintainable, sustainable mindset

Qualifications:

• 4+ years of experience developing enterprise systems in modern, current object-oriented languages, with at least 2+ years of C#
• Hands on experience and working Knowledge with Python is a plus
• Hands on experience with AI Technologies such as:
  • MCP
  • Vector DB and Semantic Search
  • Agentic AI Development , including Harness, Loop etc.2+ years of experience with SQL, preferably PostgreSQL or SQL Server
• Experience working with AI assistive and agentic code generation (e.g. Copilot, Claude Code, Cursor)
• Database persistence frameworks (e.g. nHibernate, Entity Framework)
• Strong communication skills
• Experience or understanding of Domain Driven Design
• Cloud Architecture - preferably AWS
• Docker / Containers
• Financial industry / accounting experience or understanding is helpful, but not required
• Experience designing and developing distributed systems and event driven architecture is preferred. Ideally with understanding or exposure to:
  • MassTransit or NServiceBus
  • RabbitMQ
  • Idempotency

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Salary Range: $130,000.00 - $170,000.00