About Us:
Capitalize is a mission-driven company solving critical problems in the $20 trillion retirement savings market with delightful products, scalable technology, and a world-class team.
At our core, we’re modernizing the $1 trillion in retirement account transfers (401(k) rollovers) that happen annually and currently involve manual, paper-based processes. By doing so, we’re helping the almost 20 million Americans who change jobs each year with a 401(k) do the right thing with their assets rather than lose them to fees and taxes.
Our Enterprise offering includes a full suite of enterprise-grade APIs used by leading financial institutions to help their users find and transfer retirement accounts as part of their core funding flows. Our Consumer offering helps individuals digitally locate forgotten 401(k)s and consolidate them into one of our brand-name financial partners.
We’ve raised $35mm from leading venture capital investors including RRE Ventures, Canapi Ventures, Greycroft, and others, and we’ve been recognized as one of TIME’s 100 Best Inventions and by Forbes as one of the Top 50 Fintech Companies in the US.
What You'll Do:
We're looking for a Senior Backend Engineer with expertise in writing server-side JavaScript/Typescript to help us with our fully automated solution for rollover transactions. These solutions help streamline and automate existing cumbersome processes by enabling seamless, secure, and timely transfers of retirement accounts.
As a Senior Backend Engineer, you'll be instrumental in building and optimizing the software that powers our automated workflows. This involves creating a system that enables clients to initiate and track automated account transfers. You'll collaborate with cross-functional teams to design, develop, and implement scalable backend systems that ensure reliability, security, and efficiency.
If you have experience in early-stage startups, thrive in cross-functional environments, and enjoy working on initiatives that people interact with daily, we’d love to hear from you!
You'll also:
- Develop and maintain backend systems to support automated processes.
- Design and implement asynchronous workflows and APIs to enable smooth client interactions.
- Write high-quality, maintainable code in JavaScript and Java.
- Leverage AWS services to deploy, scale, and monitor our systems.
- Build and optimize Docker containers for deployment and scaling.
- Contribute to improving the architecture and design of the platform to handle increasing scale and complexity.
- Ensure data security and compliance to established standards
- Troubleshoot, debug, and optimize systems to handle large amounts of data and traffic.
- Participate in code reviews and mentorship of junior engineers.
Required Skills & Experience:
- Strong proficiency in backend development, especially using JavaScript (Node.js) and Java.
- Hands-on experience with AWS (EC2, Lambda, S3, RDS, etc.) for deploying scalable systems.
- Familiarity with containerization technologies (Docker, ECS).
- Experience in designing and implementing asynchronous workflows (e.g., message queues, event-driven architecture).
- Familiarity with CI/CD pipelines and DevOps tools for infrastructure automation (e.g., Terraform, Ansible).
- Knowledge of data security best practices and compliance requirements.
- Experience working with relational databases (e.g., PostgreSQL, MySQL).
- Strong problem-solving and debugging skills.
- Effective independent contribution, with a sense of ownership for creating great features, and a desire to work in “green-field,” brand new initiatives
- Experience working on products with rapid feature development, including fast iterations and tight feedback loops during QA processes
- Desire to take on growth-oriented initiatives outside of core feature work
- Excellent communication and collaboration skills.
Benefits We Offer:
- Competitive compensation and equity in the company
- Medical, dental, and vision insurance, with 100% premium covered for staff and 50% for dependents
- 401k plan access
- Unlimited paid time off
- 12 weeks of fully-paid parental leave
- Access to a dog-friendly office space in NYC
Compensation range:
Senior Software Engineer: $160-180k
Note: This role is hybrid based in NYC.
We’re a mission-driven company focused on doing what’s right - for our customers and for our team. That means assembling a group of diverse, hardworking people who want to be their best in a setting that’s open and inclusive for all. We’re committed to diversity in both measurable terms (e.g. gender, race) and across other dimensions like skill sets and experiences. We believe that a diverse, equitable and inclusive company enriches our professional and personal lives. If that speaks to you, we want to meet you. Come help us build!
Top Skills
What We Do
We believe all Americans should retire with enough money for a life of dignity. Over time, we intend to eliminate all of the friction & fees embedded in the retirement savings system that stops them from doing so. Our first product helps people digitally locate their old 401k and transfer it seamlessly into a new account at any financial institution - without the paperwork, phone calls, and faxes of the past. In doing so, we’re automating the process by which $650 billion in 401k assets is transferred each year. We’re also making sure that the 15 million 401k account holders who change jobs annually don’t do the wrong thing with their assets - like cash them out, leave them behind, or pay excessive fees that erode their savings over time.
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