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Empirical LLC · 2 months ago

CF - Senior Backend Engineer - Python

LATAM

Full-time

Onsite

Senior Level

Empirical is a company that empowers early and growth stage tech companies to create the right products. They are seeking a Senior Backend Engineer specializing in financial data integrations to design schemas, integrate with financial data providers, and build the foundation of their credit data layer.

SoftwareSoftware Engineering

Responsibilities

Integrate directly with credit bureaus (Experian, TransUnion, Equifax)

Build Python clients for open-banking / financial aggregation platforms (Plaid, Belvo, MX, MoneyThumb, Ocrolus, etc.)

Implement secure API interactions following provider-specific compliance requirements

Work with incomplete, inconsistent, or ambiguous third-party data and design mechanisms to reconcile discrepancies

Design vendor-neutral schemas for credit reports, bank transaction data, and underwriting attributes

Align heterogeneous financial datasets into unified internal representations

Establish rules for cross-vendor field equivalency, transformations, and semantic consistency

Develop automated validation checks and data quality controls to ensure accuracy across vendors

Build and maintain high-quality FastAPI endpoints and internal services

Implement async workflows for multi-provider data ingestion

Ensure reliability, retries, and error handling across complex external APIs

Optimize data ingestion performance across high-volume or low-latency financial workflows

Apply KYC/AML verification flows and regulatory constraints

Handle PII securely, following encryption and data-handling best practices

Collaborate on audit trails and traceability requirements for financial data

Ensure compliance with data residency and cross-border data transfer requirements where applicable

Work with AI, underwriting, and data teams to support real-time decisioning

Contribute to roadmap planning around data ingestion, enrichment, and scoring pipelines

Partner with product and compliance teams to refine provider selection and evaluate new financial data vendors

Qualification

PythonFastAPIFinancial data integrationData modelingKYC/AML knowledgeAsync ingestionData transformationEnglish proficiencyCollaboration skillsAttention to detail

Required

Strong proficiency in Python + Web Frameworks like FastAPI (Ideal), Django, or Flask

Direct experience integrating with at least one major financial data provider: Experian, TransUnion, Equifax, Plaid, Belvo, MX, MoneyThumb, Ocrolus, Stripe Identity, etc

Deep understanding of credit/financial data semantics, including: Credit reports, Tradelines, Bank transactions, Income/expense categorization, Underwriting attributes

Hands-on experience designing vendor-agnostic data models

Experience with data mapping, transformation rules, and schema normalization

Comfortable working with async ingestion, retries, rate limits, and partial failure handling

Working proficiency in English for technical discussions and cross-functional collaboration

Experience working in distributed, remote-first teams