Full-Time
Software Backend Engineer
Java
Posted on 7/7/2025
Sendwave
51-200 employees
No-fee international remittance transfers via app
No salary listed
Remote in UK
Remote
Remote-first organization offering flexibility to work where you need to be most productive.
 Software Engineering (1) |
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- Experience in building Java and/or Kotlin solutions for scalable systems microservices systems
- Good understanding of various APIs technologies and goals they fulfill (graphQL, gRPC)
- Java Spring working experience
- Ability to analyze and optimize system performance, identifying and addressing bottlenecks and architectural limitations
- At least a working understanding of cloud infrastructure based on AWS
- Experience in designing and implementing monitoring dashboards for system health and performance
- Comfortable building effective relationships with stakeholders outside of technology
- Some experience with AI assisted coding (reviews, tests, comments) tools like Github Co-Pilot
- An open mind with respect to diversity and inclusivity
- Interact with back-end systems across various domains via APIs to streamline processes for Customer Care Agents
- Build and extend APIs (GraphQL, gRPC)
- Automate processes using Business Process Management tools, AI Agents, and custom AWS solutions
- Integrate UI components orchestrated by back-end code
- Operate on short, one-week sprints with well-defined tasks to support build-test-release cycle
- Take full ownership of solutions from design to operation, including developing new features
- Implement robust monitoring and alerting
- Integrate with security platforms for effective threat alerting
- Experience with Python or React is a plus, as these technologies are utilized to a lesser extent and can be beneficial
- Prior experience in building AI Agents
- A strong eagerness to learn new technologies and skills while advancing mastery in Java/Kotlin microservices
Sendwave (operated by Zepz) provides international money transfers aimed at individuals sending money to friends and family abroad. The service lets users link debit cards, verify identity, and send money quickly via a mobile app. It operates in the US, Canada, the UK, and the EU, serving mainly immigrants and expatriates sending remittances to regions such as Africa, the Philippines, and Haiti. Unlike many rivals, Sendwave does not charge transfer fees; instead it earns revenue from the margin between the exchange rate offered to customers and the foreign currency purchase rate. The app includes 24/7 customer support for help at any time. Overall, the goal is to offer fast, secure, and cost-effective international transfers with a user-friendly experience and trusted regulatory compliance.
Company Size
51-200
Company Stage
Acquired
Total Funding
$500.1M
Headquarters
Washington DC, District of Columbia
Founded
2017
Simplify's Take
What believers are saying
- Zepz merger with WorldRemit bolsters Sendwave's Africa and Asia remittance dominance.
- Sendwave Pay cuts remittance fees by 25% and improves exchange rates to six African nations.
- Over one million users trust Sendwave's 24/7 support and instant debit card transfers.
What critics are saying
- Wise's Q1 2024 Africa expansion erodes Sendwave's exchange rate margin profits.
- FinCEN fines Zepz $13M in 2025 for Sendwave Pay AML failures, halting US operations.
- Remitly seizes 25% Nigeria-Ghana market share from Sendwave by Q4 2025 via cash pickups.
What makes Sendwave unique
- Sendwave offers no-fee remittances, profiting solely via exchange rate margins.
- Sendwave Pay provides FDIC-insured accounts with 0.51% APY for US migrants.
- Digital wallet uses USDC stablecoin for secure cross-border value storage.
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Benefits
Unlimited Paid Time Off
Private Medical Cover
Retirement
Life Assurance
Parental Leave
Remote Work Options
Company News
The Consumer Financial Protection Bureau (CFPB) has issued a circular warning remittance transfer providers about making false claims regarding the cost and speed of international money transfers. False advertising of that sort can violate federal law, the agency said in a Wednesday (March 27) press release. This caution applies to both traditional providers of international money transfers and to digital wallets that offer that capability. “Consumers should not be paying junk fees on international money transfers that are advertised as free,” CFPB Director Rohit Chopra said in the release. “The CFPB will continue to work with law enforcement to ensure companies don’t illegally burden families with fees or inflated exchange rates using false or misleading claims.”
Sigue Corp. has stopped its money transmission activities after being ordered to do so by financial regulatory agencies from 39 states, Puerto Rico and the District of Columbia.“We are no longer processing new money transfers, money orders or bill payment transactions through agents, branches or our SiguePay mobile application, and we are making every effort to refund those transactions that remain outstanding,” a notice on the company’s website said Friday (March 22).The financial regulatory agencies announced their consent order in a Friday press release, saying that Sigue failed to satisfy outstanding money transmission liabilities, violating state law, and “can no longer responsibly serve customers due to its declining financial position.”“This coordinated state action will help customers get resolution more quickly and prevent Sigue from serving any new customers regardless of where they live,” Lisa Kruse, commissioner at the North Dakota Department of Financial Institutions and chair of the Conference of State Bank Supervisors (CSBS), said in the release.Over the past several months, Sigue experienced significant financial deterioration, failed to complete multiple money orders and transmissions, and failed to maintain adequate net worth and permissible investments to cover its outstanding liabilities, according to the release.State regulators identified the company’s troubled financial position and coordinated the consent order with the help of the CSBS and the Money Transmitter Regulators Association (MTRA), the release said.The consent order requires Sigue to preserve all books and records, and provide access to them, and states will use the company’s signed declarations to help impacted customers with the claims process, per the release.“This consent order means states with one impacted customer can provide the same remedy as states with thousands,” Karyn Tierney, director of consumer services at the Arkansas Securities Department and vice president of MTRA said in the release. “It also preserves states’ ability to take additional actions on customers’ behalf as investigations continue at the state and federal level.”In another regulatory action in this space, the Consumer Financial Protection Bureau (CFPB) said in October that took action against Chime Inc., the operator of the Sendwave mobile app, for deceiving customers about the speed and cost of remittance transfers.Chime Inc. is not connected to the California-based FinTech Chime Financial
British money transfer firm Zepz has reportedly made another round of job cuts. The company, which owns remittance platforms WorldRemit and Sendwave, has laid off 30 workers, according to a CNBC report Thursday (Nov. 30). “Zepz has entered a redundancy consultation which could affect less than 2% of its global headcount,” a company spokesperson said in an exclusive statement to the network
The Consumer Financial Protection Bureau (CFPB) has taken action against Chime, the operator of the Sendwave mobile app, for deceiving consumers about the speed and cost of remittance transfers. Chime has also been found guilty of illegally forcing consumers to waive their legal rights, failing to provide required disclosures and receipts, and neglecting to properly investigate consumer disputes and errors, according to a CFPB press release Tuesday (Oct. 17). As a result, the CFPB has ordered Chime to refund affected consumers nearly $1.5 million in fees and pay a $1.5 million penalty into the CFPB’s victims relief fund
Sendwave, a digital remittance company, has launched a new banking product that allows users to earn interest and pay reduced fees on international remittances.