HoyaSaxa

Just remember that if Mercury abruptly goes bankrupt, it is likely going to take days if not weeks or months for you to get access to those underlying funds from an operational perspective.

Fintechs that rely upon Banking-as-a-Service (BaaS) arrangement like this are woefully under-regulated.

The good news is that even in a worst case scenario of a fire sale, we are talking about a small percentage of uninsured deposits at risk (likely around 5% depending on how many deposits were successfully pulled over the last couple of weeks).

However, a fire sale is definitely not needed for all assets, and it seems likely given Yellen's comments that the government will provide some short term liquidity so that the fire sale of illiquid assets is not necessary (e.g. portions of their loan portfolio; their $7bn municipal bond portfolio; their $3.5bn of unmarketable securities (largely affordable housing projects...).

Honestly, in many ways the regulation worked. What our regulation didn't account for is that bank runs at the non-top 4 banks have become more likely in a interconnected world with "too big to fail" alternatives.

The $120bn FDIC Insurance Fund (self-funded by the banks and not the government) will definitively not even take a penny loss from this failure. That to me is the actual problem.

We are not protecting enough of the banking system with insurance. Should it be 100% of all deposits, probably not. Should it be up to $1mm or even $10mm per depositor, probably! Why should someone who sold their $750k family home yesterday be out any money just because they decided to deposit the money at their non systematically important bank? Or why should a non-profit that just completed their annual fundraising push for $1mm be out some of that money?

SVB "Fire Sale" Scenario Napkin Math

Note: Uses 12/31 numbers, but that should be largely inconsequential for determining the net liquidated cash value of a fire sale

$209bn assets

- $15.5bn HTM MTM + Slippage

- $7.5bn Loan Impairment + Slippage

- $2bn AFS Impairment + Slippage

- $1.5bn Non-Marketable Securities Impairment + Slippage

- $0.5bn Goodwill + Intangibles

- $0.5bn Property, Equipment, Lease & Other Asset Write Downs

- $0.5bn Wind Down Administration

$181bn Liquidated Cash

- $15bn FHLB "Super Lien"

$166bn Liquidated Cash Available to Depositors

- $7.6 Insured Domestic Deposits

- $151.5 Uninsured Domestic Deposits

- $13.9bn Foreign Deposits

$7.5bn Liquidated Cash Shortfall

I'd be very wary of using a fintech as your window to a real bank. Mercury as a company is much more likely to fail than a bank. In that scenario, you are going to face a similar operational disruption as folks are facing with SVB today. You might go several days or even weeks without the ability to access your funds.

The regulation is very light right now on how to handle the situation when a fintech partner goes under (although is an area of focus and should mature over the next few years.

As long as it is not First Republic Bank or Signature Bank, I wouldn’t overthink the decision too much.

What you should worry about is reducing the various risks you face by:

1) Having at least 2 distinct banks with no overlap in who has admin access. This is the most important step. In the US, an insider at your company is way more likely to commit fraud or get phished than your bank failing. Just like you’d never operate your production app from one availability zone, never rely on one bank.

2) If you have $10mm or more, consider having a portion of your funds at each bank going into a money market sweep. These off balance sheet facilities might take a few days or more to access from an operational standpoint during a bank failure, but are not subjected to the bank’s credit risk. However, money markets have their own different risks so I’d never recommend having more than 50% in them.

3) If you have more than 36 months of runway, having a portfolio of T-Bills. While U.S. Treasury Bills are often referenced as “risk free”, that ignores the fact that they can lose resell value, purchasing and holding them often involves some sort of counterparty risk, and there is always operational risk.

Please do not use one of the big four banks. It is just making the system less safe, and there are plenty of times when that decision is going to bite you (a la PPP in 2020).

For specific recommendations:

1) A credit union or community bank with a branch you can readily access. While you should never have to go in-person, it can be really useful to have it as a backup option.

2) If absolutely wanted to go with a big bank, Capital One is not a bad option.

Looks interesting! I'd suggest expanding your value prop by adding automated input fuzzing (e.g. changing one key in the body of a `application/x-www-form-urlencoded` request until you raise a 5xx). That could help uncover a slew of potential bugs and/or security issues before a real user or an attacker does. It would also help expand your value proposition from simply being a security offering.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (really a lax hybrid) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Plus we are backed by a top 5 VC (NEA), growing very quickly, and operating close to cash flow neutral.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC.

- Lead Software Engineer https://jobs.lever.co/narmi/5b550624-ff2d-421e-a344-e406fb34...

- Staff Software Engineer https://jobs.lever.co/narmi/c4010f88-21b9-4d89-9d67-510b6cd9...

- Sales Engineer https://jobs.lever.co/narmi/5122c1a2-0881-42c3-90e7-65bdcef8...

- Senior Technical Product Manager https://jobs.lever.co/narmi/e71d461b-6acd-4310-986c-4f861a68...

- Technical Writer https://jobs.lever.co/narmi/4c993dc8-bd70-4e17-ae35-63140faf...

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (really a lax hybrid) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Plus we are backed by a top 5 VC (NEA), growing very quickly, and operating close to cash flow neutral.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC.

- Staff Software Engineer https://jobs.lever.co/narmi/c4010f88-21b9-4d89-9d67-510b6cd9...

- Digital Consultant https://jobs.lever.co/narmi/a05473f9-1f64-4c8a-88c9-a7a559bf...

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

We've been working on setting up Cloudflare Zero Trust for a team of ~100. We are moving away from a traditional OpenVPN + IP Allow Listing.

I'd say the biggest pain point is that there is no way to route traffic over a tunnel at the hostname level without having Cloudflare MITM the traffic.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (really a lax hybrid) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Plus we are backed by a top 5 VC (NEA), growing very quickly, and operating close to cash flow neutral.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC.

- Senior Full Stack Engineer https://jobs.lever.co/narmi/c4010f88-21b9-4d89-9d67-510b6cd9...

- Software Engineer - Quality https://jobs.lever.co/narmi/7d30242d-febc-4aac-97e9-e8b60c5b...

- Senior Software Engineer - Infrastructure & Reliability https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b...

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

I’d highly recommend actually using a real bank instead of a fintech for business banking.

As others have mentioned some of the “go-to” options like SVB have terrible (digital) services.

I’m biased but Grasshopper Bank has one of the best digital experiences, and is an actual FDIC insured bank. They are also much cheaper once you start needing services like Letters of Credits, etc.

One thing that has caused me much frustration and is probably putting Microsoft in tremendous legal risk is that GitHub Actions will often be incorrectly billed during these incidents.

Others have said the only recourse is to contact support. I finally pulled the trigger today.

Costco is $0.11 per print and it includes shipping:

https://www.costcophotocenter.com/Prints

Note: I do believe you need a Costco membership

While Patrick is right that community banks have provided an important role in the explosion of fintech in the United States over the last 10 years, that role is unique to a small subset (~100) of community banks that have become heavily involved in Banking-as-a-Service (BaaS).

The other 9,900 community banks and credit unions largely continue to operate with vanilla retail and/or business banking models. I'm biased, but the importance of these financial institutions cannot be understated to the success of the American economy. Obviously a homogenous credit underwriting and decisioning process is a negative for society. While some do heavily rely upon the traditional credit bureaus in their decisioning, many do not. Access to responsible credit is one of the best ways to lift a group of individuals and/or businesses up. There is no surprise then that these organizations receive bi-partisan support.

As @patio11 points out this long tail often best serves their communities. There are a lot of reasons, but these are not purely because they happen to serve a specific geographic area or because they use different underwriting methods. Credit unions especially tend to be extremely diverse. For example, the majority of credit union CEOs are women[0].

I highly recommend supporting these community banks and credit unions by moving your loans and deposits to them. If you need a recommendation for one that has better digital experiences, please feel free to reach out to me.

[0] https://news.cuna.org/articles/119415-cuna-study-finds-51-of...

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (normally) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Plus we are backed by a top 5 VC (NEA), growing very quickly, and operating close to cash flow neutral.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC.

- VP of Engineering https://jobs.lever.co/narmi/47db7f41-b421-4fca-b8ea-12c54957...

- Senior Full Stack Engineer https://jobs.lever.co/narmi/c4010f88-21b9-4d89-9d67-510b6cd9...

- Software Engineer - Full Stack https://jobs.lever.co/narmi/552795b8-64b6-4673-93aa-e0b91717...

- Software Engineer - Infrastructure and Reliability https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b...

- Solutions Engineer https://jobs.lever.co/narmi/362d3c62-5189-4e85-b106-3113155f...

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/about/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (normally) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Plus we are backed by a top 5 VC (NEA), growing very quickly, and operating close to cash flow neutral.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC.

- VP of Engineering https://jobs.lever.co/narmi/47db7f41-b421-4fca-b8ea-12c54957...

- Software Engineer - Full Stack https://jobs.lever.co/narmi/552795b8-64b6-4673-93aa-e0b91717...

- Software Engineer - Infrastructure and Reliability https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b...

- Solutions Engineer https://jobs.lever.co/narmi/362d3c62-5189-4e85-b106-3113155f...

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/about/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (normally) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Plus we are backed by a top 5 VC (NEA), growing very quickly, and operating close to cash flow positive.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC.

- Software Engineer - Full Stack https://jobs.lever.co/narmi/552795b8-64b6-4673-93aa-e0b91717...

- Software Engineer - Infrastructure and Reliability https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b...

- Solutions Engineer https://jobs.lever.co/narmi/362d3c62-5189-4e85-b106-3113155f...

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/about/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (normally) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Plus we are backed by a top 5 VC (NEA), growing very quickly, and operating close to cash flow positive.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC.

- Software Engineer - Full Stack https://jobs.lever.co/narmi/552795b8-64b6-4673-93aa-e0b91717...

- Software Engineer - Infrastructure and Reliability https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b...

- Solutions Engineer https://jobs.lever.co/narmi/362d3c62-5189-4e85-b106-3113155f...

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/about/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (normally) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

- Software Engineer - Full Stack https://jobs.lever.co/narmi/552795b8-64b6-4673-93aa-e0b91717....

- Senior Site Reliability Engineer https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b....

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/about/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (normally) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

- Software Engineer - Full Stack https://jobs.lever.co/narmi/552795b8-64b6-4673-93aa-e0b91717....

- Senior Site Reliability Engineer https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b....

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/about/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE (normally) | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

- Software Engineer - Full Stack https://jobs.lever.co/narmi/552795b8-64b6-4673-93aa-e0b91717...

- Senior Site Reliability Engineer https://jobs.lever.co/narmi/c807303d-7fb8-4a98-8c9b-99ae2d7b...

- Senior UI/UX Product Designer https://jobs.lever.co/narmi/2990c914-0f41-462d-b882-2a19840c...

- Talent Acquisition Specialist (Recruiter) https://jobs.lever.co/narmi/7484b5e6-3d5e-47a6-a019-d0ba363d...

The interview process entails an intro call to get to know each other, a remote pair coding session (for technical positions), and a remote "onsite" half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website (https://www.narmi.com/about/careers). Make sure to mention you found us on Hacker News. Also please feel free to reach out directly to me chris @ our domain.

Plug: My company powers a white-labeled digital account opening product for credit unions and community banks across the United States. There are still over 10,000 of them believe it or not! We are trying to help them better compete with the top 10 banks.

You can join one of our credit union customers no matter where you live in the U.S. and it only takes 2 minutes: https://open.langleyfcu.org/

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

- Software Engineer - Full Stack https://angel.co/company/narmi/jobs/557460-software-engineer

- Senior Site Reliability Engineer https://angel.co/company/narmi/jobs/685231-senior-site-relia....

- Senior UI/UX Product Designer https://angel.co/company/narmi/jobs/469774-senior-ui-ux-prod....

- Solutions Engineer https://angel.co/company/narmi/jobs/751001-solutions-enginee...

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day for engineering positions.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

- Software Engineer - Full Stack https://angel.co/company/narmi/jobs/557460-software-engineer

- Senior Site Reliability Engineer https://angel.co/company/narmi/jobs/685231-senior-site-relia....

- Senior UI/UX Product Designer https://angel.co/company/narmi/jobs/469774-senior-ui-ux-prod...

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day for engineering positions.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States.

You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

- Software Engineer - Full Stack https://angel.co/company/narmi/jobs/557460-software-engineer

- Senior Site Reliability Engineer https://angel.co/company/narmi/jobs/685231-senior-site-relia....

- Director of Product Marketing https://angel.co/company/narmi/jobs/471289-director-of-produ....

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day for engineering positions.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States. You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

- Software Engineer - Full Stack https://angel.co/company/narmi/jobs/557460-software-engineer

- Senior Site Reliability Engineer https://angel.co/company/narmi/jobs/685231-senior-site-relia...

- Director of Product Marketing https://angel.co/company/narmi/jobs/471289-director-of-produ...

- Senior Sales Executive https://angel.co/company/narmi/jobs/470594-senior-sales-exec...

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * SRE, Devops * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList. Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States. You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansible, terraform, visual design/UI/UX, and/or security are all pluses!

Software Engineer - Full Stack https://angel.co/company/narmi/jobs/557460-software-engineer

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList[1] Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States. You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansbile, terraform, visual design/UI/UX, and/or security are all pluses!

Software Engineer - Full Stack https://angel.co/company/narmi/jobs/557460-software-engineer

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day.

We also have a non-engineering role available:

Director of Business Operations https://angel.co/company/narmi/jobs/613644-director-of-busin...

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList[1] Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| Software Engineer - Full Stack | New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States. You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansbile, terraform, visual design/UI/UX, and/or security are all pluses!

Software Engineer - Full Stack: https://angel.co/company/narmi/jobs/557460-software-engineer

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList[1] Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| Software Engineer - Full Stack | New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States. You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansbile, terraform, visual design/UI/UX, and/or security are all pluses!

Software Engineer - Full Stack: https://angel.co/company/narmi/jobs/557460-software-engineer

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList[1] Also please feel free to reach out directly to me chris @ our domain.

Narmi (Techstars NYC '17)| Software Engineer - Full Stack | New York, NY (NYC) | ONSITE | https://www.narmi.com

Narmi is helping reinvent banking in the United States. We create a more accessible and useful financial ecosystem by powering the online banking, mobile banking, account opening and open banking APIs for the 10,000 credit unions and community banks in the United States. You'll be working on production software that has a real impact on the average American's life everyday. Our software helps them save money on their bills, understand their financial story, protect their families and move money.

Narmi was founded by two Georgetown University alums who previously worked as CEO and CTO of an $18 million credit union and also at some of the largest banks in the world.

Even if you don't think you are an exact fit for one of our current openings, we'd still love to talk. We are always looking for well-rounded engineers to join our team in NYC. Having expertise in python (django and django-rest-framework), vue.js, react native, ansbile, terraform, visual design/UI/UX, and/or security are all pluses!

Software Engineer - Full Stack: https://angel.co/company/narmi/jobs/557460-software-engineer...

The interview process entails an intro call to get to know each other, a remote pair coding session, and an in-person half-day.

Some keywords: * Senior Full Stack Engineer, Senior Full-stack Engineer, Senior Full Stack Developer, Senior Full-stack Developer * Senior Front End Engineer, Senior Front-end Engineer, Senior Front End Developer, Senior Software Engineer, Senior Product Engineer, Software Engineer * Banking, finance, online banking, mobile banking, open banking APIs, * New York City, New York, NY, NYC, Manhattan

You can learn more on our website and apply via email: jobs @ our domain. Make sure to mention you found us on Hacker News. You can also apply via AngelList[1] Also please feel free to reach out directly to me chris @ our domain.

[1] https://angel.co/narmi/jobs