Software Engineer (AI / Full Stack)

Company Description:

Payna (YC W26) is the AI-native compliance platform that automates regulatory licensing for the mortgage, lending, and insurance industries. Getting licensed to move money in the US means dealing with up to 50 state regulators, each with its own forms, portals, and rules, and it usually takes 12 to 18 months of consultants and spreadsheets.

Payna automates the full licensing lifecycle

NMLS filings, license applications, renewals, amendments, call reports, etc.

Our core thesis is that compliance should run like infrastructure, not paperwork. We pull structured data from state regulators, map every entity and control person into a single source of truth, and use agentic automation to file directly with regulators. When a rule changes in one state, it updates across every customer it affects.

Role Description

This is a full-time, on-site role for a Software Engineer based in San Francisco, CA. Please don't apply if you're just looking for any job. We want scrappy, motivated engineers who are excited about startups and want real ownership.

You'll work directly with the founders to design, build, and scale the core Payna platform.

Responsibilities include:

• Building agentic browser automation that files directly with state regulators.
• Designing LLM pipelines that turn messy regulatory documents into structured data
• Shipping APIs and an MCP server that fintech and enterprise customers plug into
• Modeling complex entity and ownership data across 50+ jurisdictions
• Owning features end to end, from customer conversation to production

You'll play a key role in shaping the technical foundation and direction of the company.

Tech Stack

Next.js, TypeScript, Supabase/Postgres, Vercel, AWS

Compensation:

• Base: $130,000 to $180,000]
• 0.25% to 1% equity
• Benefits + 401k
• Referral bonuses

Qualifications:

• 2+ years of software engineering experience (big tech, startup, or ex-founder preferred), across backend and frontend
• Experience building with LLMs in production, and opinions on when not to use them
• Strong data modeling and system design skills
• Familiarity with cloud platforms (AWS preferred)
• Strong problem-solving and communication skills
• Interest in fintech, compliance, or financial infrastructure (bonus if you've worked in fintech or crypto)
• Willingness to work on any part of the business, and a long-term commitment to the problem
• Bachelor's or advanced degree in Computer Science, Engineering, or a related field, or equivalent experience
• Must be authorized to work in the U.S.