Staff Software Engineer - Global KYC and Onboarding

Job Description We are the Global KYC and Onboarding squad in the Servicing department and we have a mission: to enable teams at Lumen Dynamics to expand and fine-tune the business in a "config change" manner all across the globe, while remaining compliant and safe for the customers. There are three teams in the squad: Business Onboarding Verification, Personal Onboarding Verification and Lumen Dynamics Platform Verification (our B2B platform). The scale we operate at: In FY2025, 15.6 million people and businesses used Lumen Dynamics, we onboarded over 5.9 million new customers (~500k/month), and moved £145.2bn across borders (~£400m/day) across 160+ countries and 40+ currencies. Our verification systems aren't supporting tools — they're core production infrastructure that protects customers, enables growth, and must stay reliable under constant change in regulations, policies, and evolving threat patterns. All of the teams are diverse, cross-functional groups passionate about solving complex problems with elegant solutions. We bring together backend and frontend engineers, mobile developers, designers, data analysts, and product managers who collaborate closely to deliver exceptional customer experiences. Our teams are responsible for the critical verification journeys that business and personal customers complete before using Lumen Dynamics's products. We own the entire verification lifecycle – from document collection flows and automated review systems to agent tooling and compliance monitoring. We operate with high ownership in a bottom-up, transparent culture, make data-driven decisions, and celebrate both technical excellence and customer impact. Right now we're focused on building KYC/FinCrime as a configuration-driven product, refactoring and building new scalable microservice systems, and increasing automation using ML/AI where it genuinely improves decisioning, review quality, and operational efficiency — with safe fallbacks and clear observability. As IC4, you'll shape architecture across the squad's services, lead the technical direction on initiatives like the configuration-driven KYC platform, and raise the engineering bar through mentorship and cross-team influence. As a team that touches both regulatory requirements and customer experience, we have unique opportunities to innovate in a space traditionally resistant to change. By joining one of our teams, you'll directly impact these customers by transforming a traditionally frustrating experience into one that's fast, intuitive, and fair. Your code will help individuals and small businesses access global banking faster, enable entrepreneurs to pay international employees on time, and allow people like you and your teammates support their families across borders without friction. We're not just building verification systems – we're removing barriers that stand between our customers and their financial freedom. We need like-minded engineers in all the teams in the squad, so we'll use the interview process to discover where your unique skills shine brightest. Ultimately, we want to match you with the team that perfectly aligns with your experience and sets you up for success! Qualifications As a Staff Backend Engineer (IC4), you'll provide technical leadership within your team, designing and implementing scalable, resilient systems that power our verification platform. You'll tackle complex engineering challenges, mentor other engineers, and collaborate with product and design to create solutions that make verification faster, more accurate, and more customer-friendly. What You'll Do: Design, build and maintain high-performance, scalable backend services using Java, Spring Boot, and cloud technologies. Lead technical initiatives that improve our verification systems, focusing on automation, reliability, and performance Collaborate with product managers to translate business requirements into technical solutions Mentor junior engineers, providing technical guidance and code reviews Drive architectural decisions and technical strategy for verification systems Build internal tools that help our verification agents work efficiently Contribute to our engineering culture through knowledge sharing and best practices What We're Looking For: You have 10+ years of Java 8+ knowledge, recent experience with Spring framework Experience in working with SQL and NoSQL database Strong system design skills with experience building distributed, high-throughput services Track record of leading technical initiatives and mentoring other engineers Strong understanding of security best practices and data protection principles Excellent problem-solving skills and attention to detail Ability to communicate complex technical concepts clearly to both technical and non-technical audiences Experience with financial or KYC verification systems is a plus Company Description Lumen Dynamics is a global technology company, building the best way to move and manage the world’s money. 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