Staff Product Engineer

Ironwood Digital is the world's leader in payment tokenization. Large banks, aspiring fintechs, and growing merchants embed our universal token vault into their technology stack to manage the complexities of payment data tokenization across processors and networks, open banking, card issuance, omnichannel loyalty, PCI compliance, payment orchestration, and more. We empower our clients and partners by tokenizing sensitive payment data, limiting compliance scope, and consolidating payments to unlock revenue and business opportunities. Ironwood Digital provides processor-agnostic tokenization solutions via secure universal token vaults, iframes, mobile SDKs, tokenization proxies, APIs, and data orchestration tooling to support payment acceptance, card issuance, PII and bank account tokenization, and other payments value-added services. Some of the use cases we enable include multi-processor Network Tokenization, Account Updater, payment orchestration, secure settlement file processing, 3DS, and Risk provider connectivity. Ironwood Digital is, at its core, a technology company on a mission to build one of the best product engineering teams in fintech. We're looking for a Product Engineer to help extend and evolve the Ironwood Digital Platform - the foundation that powers payment credential orchestration for the world's largest merchants and financial institutions. This role blends product intuition with deep technical craft. You'll build fault-tolerant, client-facing financial primitives that span our entire customer base, and you'll do it fast, cleanly, and with ownership. What you will be doing at Ironwood Digital (Responsibilities)… Building and scaling extensions on top of our core platform which is already used by the world’s largest enterprises across the merchant, acquirer, and card issuer spaces. Shipping features iteratively, in a way that optimizes both for the MVP, and can be scaled into a full-fledged customer offering Setting engineering standards, shaping the team culture, and contributing to our roadmap. Working directly with customers, vendors, and partners to understand and figure out how we can solve their business problems with creative software solutions that are reusable across our customer base. Contributing to architecture decisions and shaping our product direction in payment tokenization, network token management, and credential orchestration. What we are looking for from you (Requirements)… Has strong product instincts and thinks holistically about UX, API design, and system correctness. Has experience shipping high-quality software in a fast-paced, product-led environment. Is optimistic enough to fInd a way to solve problems and ship features - even if others think it can’t be done. Loves working in an agentic engineering environment, and understands both the benefits and the risks of the technologies. Doesn’t shy away from working with customers and vendors directly to solve problems, but rather revels in the opportunity to own something end to end. Has an intuition for payments, tokenization, and credential management systems, or a strong desire and ability to learn quickly. Cares about craft, values deep technical knowledge, and delivers great product experiences. Thrives working independently and in small, high-ownership teams. $180,000 - $215,000 per year What you get from us… Ownership of product-critical surfaces at the world's leading payment tokenization platform High autonomy and a culture that rewards initiative and intuition Direct impact on a product used by Fortune 500 companies and the world's fastest-growing fintechs Flexible work hours and flexible PTO Competitive health benefits Ironwood Digital stock options 401k plan, with employer matching 4% and immediate vesting (available only for US employees) Life & disability insurance Pre-tax flexible spending accounts, dependent and healthcare FSA (available only for US employees) Global parental leave program Employee Assistance Program Home Internet reimbursement New hire home office set-up allowance Professional learning reimbursement At Ironwood Digital, we have a remote-first philosophy because we believe flexibility leads to great work and a healthy work-life balance. That said, if you live within 30 miles of one of our office locations, you’ll be on a hybrid schedule with some in-person time—because we know there’s real value in coming together. We’re not about being in the office every day—but we are about connection, collaboration, and the energy that comes from a great brainstorm, a team lunch, or celebrating a big win in person. We consider applicants without regard to race, color, national origin, sex, age, religion, sexual orientation, gender identity, veteran status, marital status, physical or mental disability, or other protected classes under all local, state, and federal laws and ordinances (AA/EOE/W/M/Vet/Disabled). Qualified applicants with arrest and conviction records will be considered for the position in accordance with the San Francisco Fair Chance Ordinance. Please note we are currently