Member of Technical Staff, Product Engineer

Location: New York Workplace: OnSite ABOUT ARCA Arca is a wealth management firm built from the ground up with AI. Most people get financial advice that's reactive: an annual check-in, a plan that's a document instead of a living thing, a relationship where you're one of three hundred clients your advisor is trying to remember. We think that's backwards. The kind of service that used to require a team of specialists behind you, the kind that makes you feel like the only person in the room, should be available to far more than the ultra-wealthy. So we're building it. We're not SaaS — we are the wealth management business, rebuilding it from the inside with AI. Our platform is an Iron Man suit for advisors: it takes over the low-leverage work so they can focus on what actually requires a human, showing up with empathy, context, and judgment. Underneath, it keeps a living understanding of each client. It remembers the thing you mentioned once, six months ago. It notices when your life changes — a new job, a new kid, a market shift — and adjusts before you think to ask. You won't see the technology. You'll just notice your advisor seems to know you better than any financial professional ever has. That's the product we're growing: client by client, on the strength of the experience itself. We started by acquiring firms managing over $1B in client assets, which gave us real advisors, real clients, and real financial outcomes to build against from day one. But acquisition was the starting line. The bet is that an advisor backed by this platform delivers something good enough that clients come to us on their own. It's a $20T market, and we think it's ready to be rebuilt. — Rron, CEO THE RECEIPTS - Stage: Series A, $64M raised - Backed by: General Catalyst, Index Ventures, Venrock - Board & Advisors: Former CEO of Vanguard, Former CFO of Schwab, Founder of Altruist, Morgan Housel (author of The Psychology of Money) THE TEAM We’re small on purpose and engineering heavy: about 80% of the team is technical. We’re based in NYC and hail from high growth startups like Stripe, Ramp, Rippling, Plaid, Doordash, & Glean. We’re fully in-office in Flatiron, five days a week—lunch together, coffee breaks, basketball games, happy hours. THE ROLE As a Member of Technical Staff focused on Product, you’ll own entire product domains end to end. You'll work directly with our advisors, operators, and clients to understand what they need, then prototype, ship, and iterate fast. If you ship it, you own it WHAT YOU’LL BUILD (AND OWN) - Advisor and operator surfaces. The tools your colleagues use to serve clients, built so one advisor can deliver high-touch service to far more clients than they could before. This is how the firm scales without the experience degrading. - Consumer portals. Where clients interact with their advisor, see their full financial picture, and engage on their own terms. This is also our organic growth engine: the surface that turns a good experience into clients who come to us on their own. - The AI that powers all of it. From the tools and skills agents use, to how those agents are embedded in the product itself. This is the layer that makes the other three feel intelligent rather than just digital. EXAMPLE PROBLEMS YOU’D WORK ON These aren’t hypothetical; we’re actively working on versions of all of these. - A research agent advisors actually trust. An advisor prepping for a client meeting needs to know how a pending divorce affects an estate plan, cross-referenced with tax law and the client's portfolio. The agent has to search proprietary data, integrations, and the web, then synthesize something the advisor can act on without second-guessing. "Close enough" isn't acceptable here. The hard part is building a system that knows what it doesn't know, and surfaces that uncertainty in a way that builds trust, under real constraints: compliance, auditability, and datasets where a stale answer is as harmful as a wrong one. - Generative UI that doesn't break the advisor's flow. Our agents view and update the advisor's frontend in real time: dynamic scenarios, interactive plan adjustments, visualizations that shift as the conversation does. The challenge is ensuring agents can reliably render and manipulate our pages without feeling unpredictable. An advisor mid-call can't be troubleshooting their UI. - An agentic planning engine that earns trust over time. A client about to retire wants to know if they can help their kids with a down payment. The agent has to hold a continuously updated model of each client's situation, surface the right adjustments at the right moment, and explain its reasoning in terms the advisor can relay in plain English—getting more accurate the longer it knows someone. - A migration engine that makes every acquisition possible. Every firm runs on something different: a CRM last updated in 2011, a proprietary custodian export, a decade of notes in a shared folder. The engine has to ingest all of it and produce data clean enough to power the models we build on top. Get it wrong and the personalization doesn't work. Data quality is the moat; migrations are how we grow. THE KIND OF PERSON WHO THRIVES HERE You’re excited by ownership, ambiguity, and building things that matter. - You're unusually good at understanding users and willing to act on it. You'd rather sit next to an advisor during a client call, watch where they hesitate, and come back with a point of view than wait for a PM to hand you a spec. You know the difference between what users ask for and what they actually need. - You're ambitious in a way specific to this work. You're building for people who manage real retirement savings and estate plans. "Good enough" means something different here. You'll rebuild something that works because you know it won't hold through the next acquisition—and that standard motivates you more than shipping faster than last sprint. - You move fast, and you know speed and reliability aren't in tension here. Advisors depend on what you build every day. Breaking prod isn't something you wait until Monday to fix. - You’re someone people actually want to be in the room with. This is a small, tight-knit team in one office, five days a week, working on problems that don’t have clean answers. The people who thrive here want to argue about product direction at lunch and then build something together in the afternoon. Kind, direct, and low-ego, you can give candid feedback without being an asshole, and you’re genuinely energized by this environment (not just tolerant of it). WHY NOW IS THE MOMENT TO JOIN This is a narrow window with unusually high leverage. - We just came out of stealth, and we're growing fast. The team is intentionally small, the equity reflects that, and the ceiling is high. You'd be joining early enough that the work you do now directly shapes what the company becomes and what's possible next. - The advisor-facing product is being defined right now, by a small team that talks to advisors every day. We've just brought on our second firm—the real inflection point, where we start separating what generalizes from what was bespoke. The patterns you set become the foundation for every acquisition that follows. - The consumer product is a blank page. We've never built directly for consumers until now—no legacy, no template. Whoever takes this on defines what the experience even is. - The hard part is behind us, which means the interesting part is starting. The platform is live, the concept is proven, advisors have moved real client assets onto it. The work now is scaling a working system across four or five acquisitions this year—workflows, data, agents, reliability under real load.