Pros: The engineering team is astoundingly good. They set the example for what all engineering teams should aspire to be: talented, motivated, and diverse. You will learn the ins and outs of finance and banking, for better or worse (be prepared to learn how very old banks are in their approach to technology). Free food! The excellent customer service team is the epitome of calm and relaxed, especially when dealing with customers who are sensitive about their money. It sits right on the train tracks, so the commute is easy-ish. Very young and high-energy employees. An end-of-year reward for hard work.

Cons: The CTO is scared of technology and refuses to listen to the subject matter experts that he hires. He insists things be done in a very late 90's manner. Speaking of the CTO, don't expect to actually receive any useful feedback or even talk to him. He prefers to speak through other people and is incapable of managing anyone directly. Expect the CEO and CFO/COO to talk a lot about respect in the workplace, then watch the CEO berate employees in front of everyone, typically using very abusive language. You will most likely have a TERRIBLE manager. Don't worry though, they will be failed upwards fairly quickly, and you will be re-organized under a new and equally terrible manager, unless you are lucky enough to get the ONE good manager. * No raises. * No path for promotion. * If you are not promoted within a certain amount of time, you are fired. There is no set time frame in which you should expect to be promoted or any goals to focus on for promotion. Either you are liked by the execs and your manager, or you are not. There is no half way. Employee reviews are not based on your skillset or impact on the company, but rather if people like you or not. Employees will blatantly lie on your reviews to keep you from earning a possible end-of-year bonus. There is a single bonus for your team that is given out to a single person at the end of the year. Refer to the above statement about reviews to determine who gets the bonus. Don't bother applying if you are not a recent college graduate, unless you are applying to be an executive. In that case, you should expect to be fired by the CEO after 1 year.

Pros: Best business strategy education in the valley. Andy Rachleff is one of the deepest thinkers in the world and communicates the 'why' very clearly with our team. We focus on a few things at a time and try to do them exceptionally well. This type of clarity in strategy (everyone understands both the benefits and risks) and focused execution makes it a really fun place to work.

Cons: We don't take anything for granted. We recognize that it takes grit and patience to build out a strategy such as ours, so come in prepared to weather both ups and downs and be in it for the long haul.

Pros: The development environment is the engineers' heaven. The code is well-architected and thoroughly tested, and you can run everything offline. TDD and CI/CD make you super productive. You can basically write the tests, implement your code, run tests locally to make sure it behaves as expected, submit your PR, get it approved, and let the systems do the rest. If everything goes well, your code will be in production in 30 minutes. Most of the engineers are from top schools. If you are a new graduate, you will learn a lot in the first few years.

Cons: The production environment is so outdated. Most of the services, except data infrastructure (which is the only cloud-native one), run on dedicated servers, so you can't use anything AWS or GCP. On-call is a nightmare. On average, you get paged once or twice a day, no matter if it is office hours, midnights, or weekends. You are expected to fix it immediately since these issues are either user-facing or money-related. If you are an experienced engineer, you join as E4. This is basically the top of the ladder, since E5 or above is only for old-timers or insiders. The leadership team created some guidelines and rules, for example, promotion criteria and expected tenure in each level. However, you also keep seeing exceptions. When these exceptions don't happen to you, you know you are not among the insiders.