Senior Software Engineer - Platform, GRC

Full-time · Engineering · San Francisco, CA (3 days/week in office)

An engineer to own our governance, risk and compliance layer - KYC, KYB and KYT vendor orchestration, built on our own authoritative profiles of the people and entities we do business with.

Every customer, broker, and counterparty who touches our platform has to be identified, screened, risk-rated, and monitored - across jurisdictions, across entity types, and in a Bitcoin-denominated product where the transaction side of the question is genuinely novel. We are building the governance, risk, and compliance layer that makes those decisions, records why they were made, and can defend them to a regulator years later.

You'll own that layer. That means integrating and orchestrating our GRC vendors - KYC, KYB, and KYT - and building Meanwhile's own authoritative profiles for natural persons and legal entities underneath them. Vendors come and go, change their schemas, disagree with each other, and return results that need adjudication. Our internal model of who someone is, what we know about them, when we learned it, and what decision we made as a result has to outlive any one of them.

This is a specialized, hands-on engineering role working directly with our compliance and risk functions. It's deep, precise work with real consequences: these systems are what our license depends on.

We're looking for someone who wants to go deep here as an individual contributor - the person who understands the compliance core of the platform better than anyone else and owns it.

What You'll Do

• Integrate and orchestrate GRC vendors - KYC (natural persons), KYB (entities and beneficial ownership), KYT (transaction monitoring and blockchain analytics) - behind interfaces that keep us portable rather than locked in
• Design and build Meanwhile's internal data model for natural persons and legal entities: identity attributes, documents, ownership and control structures, relationships, provenance, and effective dating
• Build the screening and decisioning pipeline - sanctions, PEP, adverse media, risk scoring, ongoing and perpetual monitoring, re-screening on change
• Adjudicate conflicting vendor signals: entity resolution, match and false-positive handling, confidence and review thresholds
• Build the case management, audit trail, and evidence surfaces our compliance team and auditors work from - every decision reproducible, with the inputs it was made on
• Work directly with compliance, risk, and legal to turn regulatory obligation into working systems, and to tell them when what they've asked for won't hold up technically
• Write production code across the stack (Python backend, PostgreSQL, React/TypeScript frontend)
• Use AI tooling to move faster, with the judgment to know when its output needs a second look
• Participate in business-hours on-call rotation shared across the engineering team (no nights/weekends)

How We Work

We don't have product managers. You'll work with the compliance and risk teams directly to understand the obligation, shape the solution, and explain the tradeoffs - that discovery is part of the job, not something that happens before it reaches you.

We lean into AI tooling and you'll have it. It's a real accelerant here, and we expect you to use it well. But compliance systems fail quietly - a screening rule that silently stops firing looks exactly like a clean book until an examiner asks - so the work still rests on thinking carefully about the problem, the data model, and the failure modes.

Qualifications

Required

• 8+ years of professional software engineering experience
• Direct experience building or operating GRC systems - KYC/KYB onboarding, AML and sanctions screening, transaction monitoring, or regulatory case management
• Strong Python and relational database experience, with real data modeling depth in PostgreSQL or equivalent - normalization, temporal and bitemporal data, referential integrity, migrations against live data
• Experience integrating third-party vendor APIs where the vendor is unreliable, the schema is theirs, and the result still has to be correct and auditable
• Experience working directly with non-technical domain experts - compliance officers, risk teams, auditors, regulators - and turning their obligations into software
• Fluency with AI development tools, and the judgment to evaluate what they produce
• Comfort with ambiguity and a habit of teaching yourself the domain
• Low-ego approach and a high bar for precision
• Based in the SF Bay Area with the ability to work in-office 3 days per week

What Makes You Stand Out

• Experience with blockchain analytics and crypto transaction monitoring (Chainalysis, TRM, Elliptic, or similar) and the specific problems Bitcoin creates for KYT
• Multi-jurisdiction compliance experience, and familiarity with insurance or banking regulators (BMA, FinCEN, FCA, or equivalent)
• Entity resolution, beneficial ownership modeling, or identity graph work at scale
• Experience supporting an examination, audit, or control framework (SOC 2, ISO 27001) with system-generated evidence
• Insurance domain exposure, or experience at a licensed financial institution
• Startup experience on small engineering teams (<10 people)

Technical Environment

• Backend: Python
• Database: PostgreSQL
• Frontend: React/TypeScript
• CI/CD: GitHub Actions
• Cloud: AWS

Why Join Us?

• A problem with a right answer: Compliance is unforgiving, and building systems that hold up under examination is genuinely satisfying work
• Real Ownership: You'll own the GRC layer - the system that decides who we can do business with
• Unique Domain: Solve identity and transaction-risk problems that don't have off-the-shelf answers in a Bitcoin-denominated insurance product
• Direct Influence: Small team, flat organization, direct access to leadership
• A seat with the business: You work with compliance and risk every day, not through a translation layer
• Benefits:
  • Fully covered health, dental, and vision for you and your family
  • Meals provided in office
  • Two annual company off sites (fully paid)

Our Values

• Keep your word. Honor commitments to clients and each other.
• Build for the future. We measure success in decades; look ahead without losing sight of what matters today.
• Be curious. Our advantage is understanding the world, the market, and each other.
• Have fun. Enjoy the work. Find humor where you can. Rest when needed. Say when you need help.

How to Apply

Email careers@meanwhile.bm with your resume and the role you'd be interested in.

Company & Funding

We're building the world's largest long-term insurer, using digital money and AI to serve billions of people profitably. We want anyone, anywhere, to be able to save for their future, protect their family, and build wealth across generations.

We face a once-in-a-century opportunity to build a vertically integrated life (re)insurer. Our product offerings are globally unique, making it possible for us to scale our balance sheet, build modern systems from scratch, and then directly compete to win a market that is 3% of global GDP.

We've raised over $140M to date. Sam Altman and Lachy Groom led our initial raise, and they've since been joined by leading investors in AI, insurance, and Bitcoin, including Northwestern Mutual, Apollo, Bain Capital, Pantera, Haun, Framework, Fulgur Ventures, MS&AD, Mouro, Stillmark, and Wences Casares.

Our Bermuda operating subsidiary holds the the world's only license to issue life insurance denominated entirely in Bitcoin. It's also the only company in the world with audited financials stated in Bitcoin. (If you join us, you can expect to do a lot of things no one's ever done before.)

Engineering at Meanwhile

With the advent of ubiquitous AI tooling, the dynamic range in individual engineering effectiveness is only widening.

At Meanwhile, we're planning for a world in which small, tight-knit engineering teams (supported by a small, tight-knit platform team) own entire lines of business, and are compensated accordingly.

We're attacking a huge market with the leanest, most effective team in insurance. Where incumbents employ a thousand people, we think we can make it work with a hundred or a dozen.

We're looking for hungry ICs (and former managers who see the writing on the wall) interested in pushing the boundaries of engineering productivity in a vertically integrated, regulated organization.

We're growing quickly. You will fix million-dollar bugs.

On the business side, we hire for deep domain expertise, ambition, and the creativity to figure out the previously impossible. Because our engineers work closely with people from the business, they need curiosity, flexibility, an appetite for (and the ability to digest) complex context, and strong communication skills.

Our view is that ownership is taken, not given. You will be successful here if your work progressively builds others' trust in your ability to identify, attack, and solve larger and larger problems, including those that no one else has anticipated.

We believe that "code wins arguments," that prototyping is often the best first step in a design process, and that the impact of velocity is non-linear.

You are excited by putting up multiple meaningful changes, or writing thousands of lines of code, in a day (even though you know that deleting lines of code is more exciting than writing them, and that, occasionally, deep reflection is required in order to ship anything).

You aren't fazed by building systems that don't work out — sometimes, you have to throw code away.

Intellectual honesty is non-negotiable. You love to learn and to teach, to ask questions and to answer them, and to be transparent about your uncertainty.

You are eager to learn, with the rest of the team, how to work with AI tools, including agents, in order to move faster and ship better, more complete versions of your ideas. You will experiment with new ways of working, with the expectation that some of them will be unsuccessful, and you will teach others what works.

This is the most exciting time in decades to be a competent, technically ambitious engineer. We want to offer you the opportunity to see what's really possible and how much better you can get at your craft.