What is Cobre and what do we do

Cobre is Latin America’s leading instant b2b payments platform. We solve the region’s most complex money movement challenges by building advanced financial infrastructure that enables companies to move money faster, safer, and more efficiently.

We enable instant business payments—local or international, direct or via API—all from a single platform.

Built for fintechs, PSPs, banks, and finance teams that demand speed, control, and efficiency. From real-time payments to automated treasury, we turn complex financial processes into simple experiences.

Cobre is the first platform in Colombia to enable companies to pay both banked and unbanked beneficiaries within the same payment cycle and through a single interface.

We are building the enterprise payments infrastructure of Latin America!

What we are looking for:

As a CBMM Payments Operations Specialist, you are the operational engine behind Cobre's cross-border payment flows that run outside automated rails. You'll own the end-to-end execution of manual payment corridors—from onboarding beneficiary counterparties to confirming settlement—acting as the critical link between our clients and our banking and liquidity partners across non-standard corridors like China, Hong Kong, and Europe.

This is a client-facing, execution-heavy role where attention to detail, communication speed, and a high degree of ownership are non-negotiable. You will represent Cobre's reliability in every payment you process.

What would you be doing:

Counterparty & Beneficiary Management

• Create and maintain counterparties for payment destinations where automated rails are not yet available, including corridors to China, Hong Kong, and Europe
• Proactively liaise with clients to collect all required beneficiary information: account numbers, SWIFT/IBAN details, bank addresses, intermediary bank data, and any corridor-specific fields
• Validate completeness and accuracy of counterparty data before submission to banking partners
• Maintain organized, up-to-date records of all counterparties and their associated documentation
• Flag missing or inconsistent information early to avoid payment delays

FX Quoting & Client Communication

• Provide real-time FX quotes to clients via WhatsApp, Slack, or email for flows that operate outside Cobre's automated pricing engine
• Coordinate with the CBMM desk to obtain competitive rates and communicate them to clients within agreed response-time standards
• Confirm client acceptance of quotes and ensure proper documentation of agreed terms before executing
• Manage client expectations around execution timelines, settlement windows, and cut-off times for each corridor

Payment Execution via Partner Portals

• Execute approved cross-border payments by logging into partner banking portals on behalf of clients
• Review all payment instructions carefully before submission: amounts, currencies, beneficiary details, value dates, and payment references
• Ensure every payment is processed within the client's required window and in accordance with Cobre's operational controls
• Maintain a clear log of all payments initiated, including timestamps, portal references, and confirmation numbers

Payment Monitoring & RFI Management

• Actively monitor the status of in-flight payments by coordinating with partner banks' and providers' customer service teams
• Respond promptly to Requests for Information (RFIs) from correspondent or beneficiary banks, gathering required documentation from clients and submitting within deadlines
• Escalate stuck or delayed payments proactively and track resolution end-to-end
• Keep clients informed of payment status in real time, ensuring no client is left waiting for an update

Proof of Payment & Documentation

• Obtain official proof of payment (SWIFT confirmations, payment receipts, bank acknowledgments) for every executed transaction
• Deliver proof of payment to clients promptly upon settlement
• Maintain organized records of all payment confirmations aligned with Cobre's reconciliation and audit requirements

What do you need:

Required Experience

• 2–4 years of experience in cross-border payments operations, trade finance, international treasury operations, or correspondent banking
• Hands-on experience executing wire transfers through banking or PSP portals 
• Familiarity with SWIFT messaging, IBAN/CLABE structures, and international payment formatting requirements
• Experience dealing with RFIs and correspondent bank inquiries on cross-border transactions
• Exposure to payment corridors in Asia (China/HK) or Europe is a strong plus
• Understanding of AML/KYC requirements as they apply to beneficiary creation and payment processing

Operational & Communication Skills

• Exceptional attention to detail — you catch a wrong digit in an account number before it costs a client a failed payment
• Fast, clear written communicator in both English and Spanish; comfortable managing client conversations on WhatsApp or Slack with professionalism
• Strong organizational skills — you manage multiple open payments simultaneously without losing track of status on any of them
• Calm under pressure: you execute carefully when markets are moving and clients are waiting
• Proactive by default — you follow up on pending items without being asked

What is Cobre, and what do we do?

Cobre is Latin America’s leading instant b2b payments platform. We solve the region’s most complex money movement challenges by building advanced financial infrastructure that enables companies to move money faster, safer, and more efficiently.

We enable instant business payments—local or international, direct or via API—all from a single platform.

Built for fintechs, PSPs, banks, and finance teams that demand speed, control, and efficiency. From real-time payments to automated treasury, we turn complex financial processes into simple experiences.

Cobre is the first platform in Colombia to enable companies to pay both banked and unbanked beneficiaries within the same payment cycle and through a single interface.

We are building the enterprise payments infrastructure of Latin America!

What we are looking for:

As a Senior Software Developer, you will play a key role in the complete software development lifecycle, from requirements analysis to design, coding, testing, and implementation.

What would you be doing:

• Analyze, develop, test, and write code necessary to adapt to business requirements.
• Analyze and resolve platform issues by identifying the root causes and their effects on hardware, network, service operations, and overall quality.
• Define, implement, and maintain monitoring and observability strategies (metrics, logging, alerting) to ensure system health and performance.
• Review code developed by other engineers, providing feedback to ensure adherence to the best practices.
• Collaborate across teams on product, security, architecture, and performance to deliver high-quality software solutions.
• Ability to code/develop and build/deploy the necessary solution within our existing environments, identifying and managing delivery risks, proactively removing blockers, promoting continuous delivery practices.
• Actively participate in, or lead design reviews with peers and stakeholders to decide the best solution, ensuring scalability and resiliency.
• Be a mentor to your team members.
• Drive the delivery process, coordinating deployments, validating readiness, and ensuring alignment with delivery timelines and business goals.
• Managed task planning.

What do you need:

• 5+ years of experience proficiently writing code in Java Spring Boot, and 2+ with Python (additional programming languages are a plus).
• 3+ years of experience testing, maintaining, or launching cloud-native, event-driven, and microservices applications (deployment over AWS environments is preferred).
• 2+ years of experience with software design and architecture.
• Direct experience working on highly concurrent processing platforms, ideally in the payment industry (processors, PSPs, processing gateways, Exchanges, etc).
• Understanding of DevOps best practices, IaC, and cloud-first software development
• Experience in CI/CD concept, and capabilities to support automation, pipelines, virtualization, and containerization
• Experience working with complex real-time distributed systems
• Strong oral and written communication skills.

If you're seeking an exciting next step that would both challenge and thrill you, then this opportunity is for you!

Senior Backend Engineer

If you are looking for a role that combines technical depth, architectural impact, and real-world financial complexity, this is an opportunity that will both challenge and excite you.

What is Cobre and what do we do

Cobre is Latin America’s leading instant b2b payments platform. We solve the region’s most complex money movement challenges by building advanced financial infrastructure that enables companies to move money faster, safer, and more efficiently.

We enable instant business payments—local or international, direct or via API—all from a single platform.

Built for fintechs, PSPs, banks, and finance teams that demand speed, control, and efficiency. From real-time payments to automated treasury, we turn complex financial processes into simple experiences.

Cobre is the first platform in Colombia to enable companies to pay both banked and unbanked beneficiaries within the same payment cycle and through a single interface.

We are building the enterprise payments infrastructure of Latin America!

What we are looking for:

As a Senior Product Manager for CBMM, you will own the cross-border fabric that enables clients to move money seamlessly across currencies and geographies with speed, transparency, and reliability that exceeds traditional banking rails. You'll define and execute a product roadmap that transforms how businesses access liquidity, manage FX risk, and execute cross-border payments across Latin America.

You'll integrate into a cohort of elite product leaders and collaborate dynamically across departments to synchronize strategies and build a unified roadmap for Cobre's product vision, driving innovation in FX products, liquidity management, and corridor expansion.

What would you be doing:

Product Discovery & Strategy

• Lead structured discovery for new CBMM products (forwards, swaps, synthetic currencies, etc) and geographic corridor expansions
• Form and validate hypotheses around client needs for cross-border flows, FX risk management, and treasury optimization
• Run lean experiments to test new currency pairs, pricing models, and settlement speeds—making data-driven go/kill decisions
• Partner with sales, compliance, legal, and treasury teams to understand market dynamics, regulatory constraints, and competitive landscape

Strategic Roadmapping

• Build and communicate a clear CBMM roadmap that balances customer impact (settlement speed, pricing transparency, corridor coverage), technical feasibility, and business priorities (revenue, margin expansion, risk management)
• Prioritize product expansion based on validated client demand, total processed volume (TPV) potential, and strategic fit
• Define product strategy for FX products (spot, derivatives, post-funded operations, etc) aligned to ideal customers profile needs

Prioritization & Delivery

• Own the backlog and performance indicators for the CBMM squad, ensuring every feature drives key metrics: monthly CBMM revenue, cross-border TPV, settlement speed, client adoption, and net dollar retention
• Balance innovation (new corridors, new products) with optimization (spread compression, liquidity efficiency, operational excellence)
• Collaborate with the platform core squad to ensure primitives (new currency pairs, liquidity APIs, etc) ship 1-2 months ahead of CBMM product launches

Data-Driven Decision-Making

• Establish dashboards tracking CBMM performance: Processed volume by corridor, spread margins, settlement times, client churn, etc
• Leverage analytics to optimize pricing (eg spread structures), identify high-value corridors, and validate product-market fit
• Monitor competitive landscape and adjust pricing/product strategy to maintain top-3 positioning in core markets

Cross-Squad Orchestration

• Partner with Pay-Ins squad on hybrid collection flows (3rd-party collections → CBMM → local payouts)
• Collaborate with Pay-Outs squad on cross-border disbursements (CBMM → international payouts)
• Work with Stablecoins squad on stablecoin-fiat conversion flows (USDc → CBMM → COP payouts)
• Coordinate with Platform Core on banking integrations, liquidity infrastructure, and API standardization

Operational Excellence & Risk Management

• Define standards under Service Level Agreements (SLAs) for settlement speed (target: <3 min p95 for standard corridors), error rates (<0.1%), and uptime (>99.5%)
• Partner with treasury and finance teams to manage liquidity pools, FX exposure, and credit risk 
• Monitor transaction health, coordinate incident response, and implement corrective actions to protect client trust
• Ensure compliance with corridor-specific regulations (Banco de la República, CNBV, Banxico) in partnership with Legal/Compliance teams

Stakeholder Communication

• Keep stakeholders informed on CBMM performance, experiment results, corridor validation outcomes, and necessary pivots
• Present complex FX concepts (forwards, swaps, options) with clarity to non-technical audiences
• Tie every update back to strategic goals: revenue growth, market penetration, competitive differentiation

What do you need:

Required Experience

• Proven track record as a Product Manager in fintech, with deep expertise in cross-border payments, FX products, or treasury management
• Experience managing high-volume B2B payment flows, ideally in emerging markets or multi-currency environments
• Strong understanding of FX markets: spot, derivatives, hedging, liquidity management, spread dynamics
• Familiarity with payment rails (SWIFT, SPEI, Bre-b, ACH) and regulatory frameworks (AML/KYC, central bank rules)

Product Skills

• Expert in product discovery and agile squad models (build–measure–learn)
• Data-driven decision-making: defining metrics, building dashboards, running pricing experiments
• Roadmapping & prioritization: balancing customer impact (settlement speed, pricing), technical feasibility (banking integrations, liquidity infrastructure), and business goals (margin expansion, corridor coverage)
• Strong Jobs-to-be-Done mindset: you understand why clients need cross-border flows and design products that solve real treasury pain points

Technical Fluency

• Fluency in technical conversations is a must: you design with APIs, FX logic, and banking rails in mind
• Active partnership with engineers to address challenges at the systems level: liquidity routing, product mechanics settlement optimization, etc
• Comfortable discussing ledger schema changes, multi-currency accounting, and transaction reconciliation with engineering teams

Communication & Collaboration

• Excellent communication skills in English and Spanish, with the ability to align diverse stakeholders (sales, treasury, legal, finance, compliance, engineering)
• Present complex FX concepts with clarity to technical and non-technical audiences
• Strong cross-functional leadership: you orchestrate multi-squad initiatives (CBMM + Pay-Ins, CBMM + Stablecoins) without owning all execution.

Bonus Qualifications

• Experience in Latin American payments or treasury management
• Familiarity with stablecoins, crypto on/off-ramps, or DeFi liquidity pools
• Prior experience scaling cross-border payment products from $1M to $50M+ monthly TPV
• Background in risk management, treasury operations, or FX trading

Why Join Cobre?

Build at Scale

• Own the product roadmap for Cobre's fastest-growing vertical (CBMM is our primary growth engine)
• Your work will directly impact hundreds of clients moving $500M+ monthly across borders

Tackle Hard Problems

• Design innovative FX products that provide Cobre a competitive edge
• Optimize liquidity pools to compress spreads while maintaining healthy margins
• Navigate complex regulatory environments (Banco de la República, Banxico) to launch new corridors
• Build differentiated products on top of owned infrastructure that create long term moats

Drive Real Impact

• Directly influence CBMM revenue, TPV, client retention, and competitive positioning
• Clear metrics tie your work to business success: monthly revenue targets, settlement speed SLAs, client adoption rates

Innovate in Autonomy

• Thrive in empowered squads, running bold experiments (new corridors, pricing models, FX products) and rapid iterations
• Make data-driven go/kill decisions on corridor expansion, product launches, and feature prioritization

Collaborate with the Best

• Join a cohort of elite product leaders, synchronizing strategy across Pay-Ins, Pay-Outs, Stablecoins, and Connect to deliver a unified cross-border experience
• Partner with world-class Treasury, Finance, and Engineering teams to turn complex FX challenges into competitive advantages

What is Cobre, and what do we do?

Cobre is Latin America’s leading instant b2b payments platform. We solve the region’s most complex money movement challenges by building advanced financial infrastructure that enables companies to move money faster, safer, and more efficiently.

We enable instant business payments—local or international, direct or via API—all from a single platform.

Built for fintechs, PSPs, banks, and finance teams that demand speed, control, and efficiency. From real-time payments to automated treasury, we turn complex financial processes into simple experiences.

Cobre is the first platform in Colombia to enable companies to pay both banked and unbanked beneficiaries within the same payment cycle and through a single interface.

We are building the enterprise payments infrastructure of Latin America!

What we are looking for:

We are looking for a Senior Data Engineer to design, build, and evolve our modern, event-driven and near real-time Lakehouse platform on AWS + Snowflake.

This is a data platform role, focused on high-volume transactional data, near real-time processing, and strong architectural foundations.

Our data ecosystem is built around:

• Event-driven ingestion using Confluent Cloud (Kafka)
• CDC ingestion from databases via AWS DMS
• Custom connectors for specific internal and third-party sources
• Near real-time and batch processing
• AWS S3 + S3 Tables (Apache Iceberg) as the core Lakehouse storage
• Medallion Architecture (Bronze / Silver / Gold)
• Glue & dbt as the transformation layer
• Snowflake as the access, analytics, and data governance layer

You will play a key role in defining how data flows from source to Lakehouse to analytics, ensuring reliability, scalability, observability, and governance.

What would you be doing:

Event-Driven & Near Real-Time Data Ingestion

• Design and maintain event-driven ingestion pipelines using Confluent + AWS.
• Ingest CDC streams from transactional databases using AWS DMS.
• Build and maintain custom ingestion connectors for internal and external sources.
• Ensure data consistency, ordering, idempotency, and replayability in near real-time pipelines.

Lakehouse & Storage Layer

• Own the Lakehouse architecture based on Apache Iceberg on S3 Tables.
• Design Iceberg tables optimized for streaming and batch workloads.
• Manage schema evolution, partitioning strategies, compaction, and time travel.
• Implement and evolve Bronze, Silver, and Gold layers aligned with event-driven ingestion patterns.

Transformations & Processing

• Build near real-time and batch ELT pipelines using AWS Glue, Python, and dbt.
• Implement incremental models optimized for streaming-derived datasets.
• Ensure transformations are modular, testable, and production-ready.

Observability, Quality & Reliability

• Implement data observability and monitoring across ingestion and transformation layers.
• Track freshness, volume, schema changes, and data quality metrics.
• Define alerting and monitoring strategies to proactively detect pipeline and data issues.
• Implement data quality checks, contracts, and validation rules.

Analytics Enablement & Governance

• Expose curated datasets through Snowflake as a governed access layer.
• Collaborate on access control, data retention, and lineage strategies.
• Ensure consistency between Lakehouse storage and analytics consumption.

Platform Ownership

• Contribute to architectural decisions across ingestion, storage, and consumption.
• Balance latency, cost, scalability, and reliability trade-offs.
• Define standards, templates, and best practices for the data platform.

What do you need:

Must have

• 3–6+ years of experience as a Data Engineer (flexible depending on depth).
• Strong experience with event-driven data architectures.
• Hands-on experience with Kafka / Confluent in production environments.
• Experience ingesting data via CDC (AWS DMS or similar tools).
• Solid experience designing near real-time data pipelines.
• Strong knowledge of Apache Iceberg 
• Experience with AWS (S3, Glue, Lambda, EventBridge, Firehose, etc.).
• Advanced SQL and Python.
• Production experience using dbt.
• Experience using Snowflake as an analytics and governance layer.

Nice to have

• Experience with S3 Tables specifically.
• Infrastructure as Code (Terraform / Terragrunt).
• Experience with high-volume transactional or fintech systems.
• Familiarity with data contracts, schema registries, and data observability tools.

Who will thrive in this role

• Engineers who enjoy event-driven systems and near real-time processing.
• People who think in platforms, not one-off pipelines.
• Engineers comfortable owning architectural decisions.
• Profiles that enjoy working close to core business events and transactional data.

What this role makes explicit

• Kafka / Confluent is the primary ingestion layer.
• CDC + events are first-class citizens.
• Near real-time is core, not an afterthought.
• Iceberg-first Lakehouse, Snowflake as access & governance, not as the lake.
• Clear Mid / Senior expectations.
• Observability and reliability are part of the job, not “nice to have”.

Not a fit if

• You focus on BI/dashboards or SQL-only analytics.
• You’ve only worked with batch ETL.
• You’re looking for a junior or execution-only role.
• You’re not interested in event-driven, near real-time systems.