Senior Java Engineer – Fund Security & Account Security (Fiat OnOff-Ramp)

As a Senior Java Engineer on Binance's Fund Security & Account Security team, you design and build the systems that protect funds flowing through our fiat on/off-ramp integrations. You work across deposit, withdrawal and trading flows, connecting banks and payment providers worldwide with our internal ledger and reconciliation systems. Your goal is that every transaction is secure, accurate and fully traceable.

What you'll do

• Design fund security for deposit, withdrawal and trading flows, identifying where funds could be lost and building controls that prevent problems up front, block them in real time and catch them afterwards.
• Design and build account security controls, such as account status management, fund freezing and unfreezing, protection for sensitive operations, and detection of abnormal behavior.
• Integrate with banks and third-party payment providers, making callbacks, status sync, idempotency and retries reliable so there are no duplicate credits, missed transactions or mismatched states.
• Work with internal accounting and clearing & settlement systems to ensure fund flows match the ledger, helping design the accounting model and fund-flow standards.
• Build channel, internal and multi-party reconciliation, handling break detection, suspense accounts and adjustments to ensure every discrepancy gets resolved and reconciliation becomes more automated and faster.
• Build reconciliation checks and fund-loss alerts, and lead investigation, containment and post-mortems for fund-related incidents.
• Use LLMs and AI tools to make fund security and reconciliation more efficient, such as anomaly detection, automatic root-cause analysis of breaks, smart reconciliation and operations support.

What you bring

• 5+ years in financial services (payments, banking, exchanges, etc.) with strong hands-on experience in fund security and reconciliation.
• Expert Java skills, with a solid grasp of the JVM, concurrency and distributed systems, and deep understanding of high-availability, strongly consistent systems.
• Skilled with the open-source Java stack, such as Spring Boot / Spring Cloud, MyBatis, MySQL, Redis and Kafka / RocketMQ, and understand how these tools work inside.
• Experience with distributed transactions, idempotency and eventual consistency, having designed and shipped financial systems from start to finish.
• Knowledge of clearing & settlement processes and double-entry bookkeeping, with familiarity with how banks integrate via APIs, SFTP reconciliation files, ISO 20022 / SWIFT messages.
• Strong AI skills: you use AI tools every day to work faster, with hands-on experience building LLM applications (prompt engineering, RAG, agents).
• A strong sense of risk and close attention to detail, taking ownership, communicating well and driving work forward.
• Bilingual proficiency in English and Mandarin to coordinate with overseas partners and stakeholders.

What we offer

• Competitive salary and company benefits
• Remote-first, work-from-home arrangement (may vary depending on the nature of the role and team)

About Binance

Binance is a leading global blockchain ecosystem behind the world's largest cryptocurrency exchange by trading volume and registered users. Trusted by 300+ million people in 100+ countries, Binance offers trading, finance, education, research, payments, institutional services and more, with a mission to increase the freedom of money and financial access for people around the world.