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Kobalt Labs VERIFIED EMPLOYER

Software Engineer (Backend).

Software Engineering & Dev Full-Time

Software Engineer (Backend): our view in 3 lines...

  • The Role:This is a backend software engineering role for someone building production systems for AI-driven compliance products used by financial institutions.
  • The Person:The person will design, build, and operate backend systems, create AI-powered features, own technical projects end to end, and improve the performance, reliability, and scalability of the product.
  • Requirements:The role calls for 3+ years of software engineering experience, strong software engineering fundamentals, experience building backend applications and APIs, and a strong understanding of databases, data modeling, distributed systems, and production infrastructure.

About the role

About Kobalt Labs

Kobalt is the AI-native compliance operating system for financial institutions (FIs). Compliance is critical for FIs to get right, but most of their work still happens manually, in legacy technology or Excel.

Banks, credit unions, and fintechs across the country use Kobalt to run third party due diligence, screen marketing collateral, and stay current with the ever-changing regulatory landscape. Since our Series A, we've grown revenue more than 5x and work with some of the most notable names in financial services, including Chime, Upstart, and Affirm.

The Role

Engineers at Kobalt own products end-to-end, from understanding the customer problem and shaping the technical approach through building, shipping, and operating the solution in production.

As a Backend Software Engineer, you'll build the systems that power Kobalt's products, from the data models and APIs behind complex risk and compliance workflows to the infrastructure that powers our AI. You'll have significant ownership from day one, designing and building systems that need to be reliable, scalable, and flexible as our product and customer base grow.

What You'll Do

  • Design, build, and operate backend systems that power Kobalt's core products and workflows.

  • Build AI-powered features that automate complex, historically manual risk and compliance work.

  • Own technical projects end-to-end, from architecture and data modeling through implementation, deployment, and iteration.

  • Build reliable APIs, data pipelines, and infrastructure that support increasingly complex customer workflows.

  • Improve the performance, reliability, and scalability of our systems as Kobalt grows.

  • Work closely with other engineers and Customer Success to understand customer needs and turn them into technical solutions.

Qualifications

  • 3+ years of software engineering experience building and operating production systems.

  • Strong software engineering fundamentals and experience building backend applications and APIs.

  • Strong understanding of databases, data modeling, distributed systems, and production infrastructure.

  • Experience designing and owning substantial backend systems from initial architecture through production.

  • Ability to reason through complex technical problems and make thoughtful architectural tradeoffs.

  • Strong attention to reliability, performance, and maintainability.

Compensation and Benefits

  • $250k base salary + equity, with equity based on experience and scope

  • Lunch provided in-office

  • 100% employer-paid medical, dental, and vision premiums for employees and dependents

  • Paid time off and paid company holidays

Transform Risk & Compliance for Financial Institutions

We're building AI agents and automations that are revolutionizing how fintechs, banks, and credit unions handle risk and compliance operations. In a massive market ripe for innovation, we've hit 6-figure ARR just months after launch - making us one of the fastest-growing companies in the space.

What Sets Us Apart

Massive Market, Clear Vision: We're deploying cutting-edge AI agents and automation to transform risk and compliance - a critical function that's overdue for disruption
Huge Growth: Hit significant revenue milestones in record time with just two technical founders (ex-Affirm, Apple Pay, Meta)
Customer Obsession: We iterate rapidly with customer feedback, on the basis of hours
Intensity + Focus: We're lean, very good at prioritizing, and have a clear strategy

Published September 16, 2026
Location New York, NY
Job Type Full-Time