What are the responsibilities and job description for the Software Engineer II position at interface.ai?
About Interface.ai
Banking is being reimagined—and customers expect every interaction to be easy, personal, and instant. We are building a universal banking assistant that millions of U.S. consumers can use to transact across all financial institutions and, over time, autonomously drive their financial goals. Powered by our proprietary Bank GPT platform, this assistant is positioned to displace age-old legacy systems within financial institutions and own the end-to-end CX stack, unlocking a $200B opportunity and potentially replacing multiple publicly traded companies. Ultimately, our mission is to drive financial well-being for millions of consumers. With over two-thirds of Americans living paycheck to paycheck, 50% holding less than $500 in savings, and only 17% financially literate, we aim to put financial well-being on autopilot to help solve this problem.
About the role
At interface.ai, we're moving to a one-person pod model. You take a high-level spec and own it all the way to production — architecture, build, ship. No hand-offs, no committees. AI gives you the leverage to do the work of a full team.
The engineers who thrive here are the ones who've outgrown being handed a scope. If you've quietly built something significant on your own and want to do more of that, this role was designed for you.
You will:
- Own complete product features end-to-end — from a high-level brief through architecture, implementation, and production deployment
- Work in a one-person pod model, making independent decisions on design, technology choices, and trade-offs
- Use AI tools (Cursor, Claude, Copilot, or equivalent) as a core part of your daily workflow — not as a novelty, as a multiplier
- Build and maintain backend systems and services that handle real scale — 1.5M AI conversations daily
- Collaborate directly with the CTO and product leadership to define scope and shape what gets built
- Iterate fast — ship, learn, and improve without waiting for full specs or perfect information
You have:
- 2 software engineering experience
- Strong backend and/or systems engineering background — you've worked on technically complex, non-trivial problems
- Experience with distributed systems, backend architecture, or technically complex infrastructure
- Demonstrated autonomy — you've built something significant mostly on your own, not just contributed to a slice of a team project
- Currently using AI tools in your development workflow — you know how to guide AI to produce what's required, not just prompt and hope
- Fast learner — you can pick up a new language, system, or domain and be productive quickly
- Excited build a great culture and commute to either our San Francisco or Palo Alto Office 5x a week
- Bachelors in computer science or engineering
Bonus
- Prior startup experience
- Track record of wearing different hats
We value in-person time for planning, problem-solving, and connection. Team members in this role must live within commuting distance of our Palo Alto or San Francisco office hub and this is an -site role.
Our Values
Act Like You're the Founder: Own the outcome from start to finish
No Fear. Speak Your Mind: Candor moves us forward
Pursuit of Excellence: Raise the bar, every time
AI-First Mindset: Think automation, intelligence, and scale-first in every solution
Don't Assume. Seek to Understand: Start with questions, not conclusions
What We Offer
- 💡 100% paid health, dental & vision care
- 💰 401(k) match & financial wellness perks
- 🌴 Discretionary PTO paid parental leave
- 🧠 Mental health, wellness & family benefits
- 🚀 A mission-driven team shaping the future of banking