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Cross River Bank

API-driven banking platform for fintechs

Engineer 2 - IT Infrastructure

Full-Time
$80k - $110k
Mid
Fort Lee, NJ, USA
Hybrid
DevOps & InfrastructureCloud Engineering

About the job

Requirements
  • At least 3 years of experience in IT infrastructure, cloud engineering, or systems engineering.
  • Familiarity with infrastructure-as-code tools such as Terraform.
  • Strong experience with AWS or other cloud platforms.
  • Familiarity managing Windows and Linux systems.
  • Good understanding of networking fundamentals.
  • Knowledge of automation and scripting.
  • Experience with monitoring, logging, and troubleshooting distributed systems.
  • Strong understanding of security best practices and compliance.
  • Excellent communication and problem-solving skills.
Responsibilities
  • Design and implement cloud infrastructure solutions, selecting and right-sizing services to meet diverse enterprise workload requirements.
  • Implement and maintain infrastructure as code using Terraform and CloudFormation.
  • Advise stakeholders on appropriate architecture patterns for different business and technical needs, balancing performance, security, scalability, and cost.
  • Assist with cloud cost optimization as a core practice.
  • Help establish and maintain comprehensive monitoring, logging, and alerting using dashboards and proactive alerts for system health and anomalies.
  • Assist with security and compliance across cloud resources based on security recommendations and current best practices while aligning with financial industry regulatory requirements.
  • Support deployment and operation of AI infrastructure components in collaboration with the AI Engineering team.
  • Leverage AI development tools such as Cursor, Claude, Claude Code, and GitHub Copilot to accelerate infrastructure-as-code authoring, troubleshooting, documentation, and code review.
  • Help conduct thorough reviews of cloud infrastructure configurations produced by consultants, external vendors, and automated tools, and validate AI-generated infrastructure code for quality, security, and business alignment.
  • Assist with establishing and enforcing cloud architecture standards, documentation requirements, and technical best practices.
  • Support backup, disaster recovery, and high availability strategies.
Desired Qualifications
  • Experience deploying and supporting nested virtualization environments at the enterprise level.
  • Knowledge of DevOps practices and CI/CD pipelines.
  • Experience in financial services or other highly regulated environments.
  • Certifications such as AWS Solutions Architect, Azure Administrator, or similar.

About the company

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Cross River Bank

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cbWebsite

Cross River operates as a bank that provides Banking as a Platform (BaaP) through its API-driven Cross River Operating System, enabling FinTechs and small businesses to access core banking services like ACH, wire transfers, card disbursements, and money transfers. These services are exposed via APIs so partners can build and scale their own financial products. The company earns fees from platform usage, including transaction, loan origination, and compliance services, and emphasizes regulatory compliance and risk management. Its goal is to help fintechs and small businesses deploy and manage financial services efficiently on a secure, customizable banking infrastructure.

Company Size

1,001-5,000

Company Stage

Post IPO Equity

Headquarters

Fort Lee, New Jersey

Founded

2008

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Simplify's Take

What believers are saying

  • October 1, 2026 GoodLeap deal deepens Cross River's card issuance and warehouse lending.
  • July 27, 2026 X Money launched with Cross River powering FDIC-insured accounts.
  • July 1, 2026 Stripe expanded Cross River support for agentic-commerce virtual cards.

What critics are saying

  • FDIC's March 8, 2023 consent order still restricts new fintech partnerships.
  • Cross River's X and crypto deals attract regulators, especially if losses surface in 2027.
  • Any X Money compliance failure would threaten Cross River's franchise with partners and regulators.

What makes Cross River Bank unique

  • Cross River pairs bank charters with APIs, powering X Money, Stripe, and GoodLeap.
  • Its Principal Finance Group bundles credit facilities, card issuance, and payments for fintechs.
  • Embedded finance 2.0 spans lending, crypto, cards, and compliance in one stack.

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Benefits

  • Generous parental & leave policies
  • Completely subsidized health, dental, & vision insurance
  • Complimentary dry cleaning
  • On-site haircuts
  • Endless snacks
  • Company events

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
PYMNTS
Oct 20th, 2026
Cross River Plans to Buy Accrue to Merge Payments With Loyalty | PYMNTS.com

Cross River Bank plans to add branded wallet, stored value and loyalty rewards technology to its regulated financial infrastructure by acquiring FinTech

Yahoo Finance
Oct 16th, 2026
Cross River adds Ripple's RLUSD to core banking, but XRP demand remains unclear

Cross River has added Ripple's RLUSD stablecoin, which runs on the XRP Ledger (XRPL), to its core banking platform. The bank announced the move on October 15. Fintech customers can access RLUSD, ACH, and real-time payments through a single API connection. The service supports round-the-clock transfers between dollars and RLUSD, including cross-border payments and treasury transfers. It is available only in certain states. "Businesses shouldn't have to rely on several different providers to move money across the globe," said Adam Goller, Cross River's head of fintech banking. The deal does not guarantee demand for XRP. RLUSD handles payments, while XRP covers transaction fees and account reserves, so larger stablecoin payments do not require equivalent XRP purchases.

Coinfomania
Oct 15th, 2026
Cross River Bank integrates Ripple's RLUSD on XRP Ledger.

Cross River Bank integrates Ripple's RLUSD on XRP Ledger. October 15th, 2026 Ripple partners with Cross River Bank to integrate RLUSD for 24/7 settlement. This could transform payment services in fintech - read more. Quick take. Summary is AI generated, newsroom reviewed. * Ripple partners with Cross River Bank to enhance RLUSD payments. * Integration aims for 24/7 settlement within payment networks. * This move strengthens Ripple's position in the fintech space. Sponsored: Rainbet - 20k Weekly Raffle FREE ticket, 3000+ Slots/Originals/Sports Claim Ticket Ripple has partnered with Cross River Bank to integrate RLUSD payments into the bank's core banking platform. This collaboration aims to enhance payment infrastructure for fintechs, enabling 24/7 settlements within payment networks. The initiative could significantly improve transaction flexibility and efficiency in the banking sector, as noted in Ripple's tweet. What happened. The broader crypto market is currently displaying mixed signals, with various assets experiencing fluctuations in momentum. Ripple's integration of RLUSD on the XRP Ledger into Cross River Bank's banking platform marks a significant step forward in payment technology. By enabling intraday settlements, this partnership could attract more fintechs looking for efficient solutions. The immediate significance lies in the potential for increased adoption of RLUSD, further solidifying Ripple's presence in the financial services landscape. Key takeaways. * Ripple is partnering with Cross River Bank for RLUSD integration, providing 24/7 settlement capabilities. The partnership enhances fintech banking infrastructure and transaction flexibility. This collaboration aims to streamline payment processes for various fintechs. The integration could lead to broader acceptance of RLUSD payments in the banking sector. Ripple's XRP Ledger will serve as the foundation for this integration. Market pulse. Currently, Ripple's trading price is $0, reflecting a lack of market activity. Despite this, the integration with Cross River Bank is expected to bolster Ripple's standing in the fintech sector, particularly as it enhances the utility of RLUSD payments. The partnership may draw interest from institutional players looking for efficient payment solutions, potentially influencing Ripple's market dynamics in the near future. Ripple, a technology company specializing in digital payment solutions, aims to facilitate secure and instant transactions across borders. Cross River Bank, known for its innovative banking solutions, has a strong focus on integrating with fintechs to enhance their payment capabilities. This partnership aligns with Ripple's mission to transform how money moves globally, leveraging both companies' technological expertise. Eyes on these levels. Traders should watch for developments in the adoption of RLUSD payments within fintech sectors following this partnership. Increased transaction volumes and integrations could signal a shift in Ripple's market dynamics. Additionally, fluctuations in XRP's price may occur as the market reacts to the enhanced payment capabilities introduced by this collaboration, potentially impacting liquidity and trading volumes.

Toscale
Oct 15th, 2026
Cross River Bank brings Ripple's RLUSD stablecoin into its core banking system.

Cross River Bank brings Ripple's RLUSD stablecoin into its core banking system. The integration of RLUSD into Cross River Bank's system signifies a shift towards mainstream adoption of stablecoins, enhancing payment efficiency. Unfortunately, this resource does not provide the full text of the news :(

Yahoo Finance
Oct 13th, 2026
Cross River appoints ex-Lazard Asset Management CEO Evan Russo as president

Cross River has appointed Evan L. Russo as president, effective October 1, 2026. Russo is a former chief executive officer of Lazard Asset Management and chief financial officer of Lazard Ltd. He has served as lead independent director at Cross River's parent, CRB Group, since April 2026. He will report to founder, chief executive officer and chairman Gilles Gade, and stay on the board. Russo will help drive growth, expand globally and build the company's operational, financial and governance capabilities. Shimshon Gross, a board member since the company's founding in 2008, becomes lead independent director. Gade said Russo brings the "institutional leadership, strategic focus and operating discipline required to scale" the company's vision.