I joined Fidelity about two years ago after a bunch of years at smaller fintechs, and I've been on the interviewer side of a lot of system design loops here. wanted to share what the senior and staff-level system design round actually looks like, because the signal you get from posting a random leetcode question bears no resemblance to this.
the format at the senior / L5-equivalent level is 45 minutes in a video call with shared whiteboarding. one interviewer, sometimes two. the problem is almost always a financial systems problem or something adjacent. I've seen prompts like: design a real-time portfolio dashboard that shows P&L across asset classes design a trade execution pipeline that needs to be idempotent and handle partial failures design a notification system for account alerts (price thresholds, security alerts, balance warnings) design a reconciliation service between two databases that get updated asynchronously
you'll notice these are not "design Twitter" or "design a URL shortener." the problems have real fintech constraints baked in: consistency requirements, audit trails, latency during market hours, regulatory data retention. you don't need to be a CFA to answer them but you need to reason out loud about what happens when trades fail or data is stale.
what interviewers here are looking for: do you start with requirements and constraints before jumping to components. I'll stop you if you don't. can you reason about failure modes. not just happy path. do you know when to use eventual vs. strong consistency and why. hand-wavy "I'd use Kafka" answers get you nowhere. can you explain trade-offs clearly. the senior bar is articulating why you're making a choice, not just naming the right tech.
what I'd prep: idempotency patterns (especially in payment/trade flows) event sourcing basics, because it comes up a lot in financial systems read/write patterns for time-series-heavy data how to design for audit logging without tanking performance
common failure mode I see: candidates design a perfectly generic distributed system and forget the fintech context entirely. if you design a notification service without mentioning that a "your security was sold" alert has very different urgency than a "your password was changed" alert, you've missed it.
for staff-level the depth expectation goes up. they want to see you driving the conversation more and proactively surfacing constraints rather than waiting to be asked.