Vantaggi
Your experience at Clover is highly manager dependent. Some managers are highly supportive and stick by their folks, and some aren't. Some teams have high engineering standards, and others don't. The teams that do have a good working culture and engineering rigor tend to maintain their teams and deliver high-quality work. Work-life balance is pretty great.
Svantaggi
Compensation isn't competitive for the good engineers. Senior management refuses to address this problem, and they get what they pay for. Fiserv does not understand Clover and their purchase of Clover has been a net negative. Clover does it best to maintain an independent culture, but whenever Fiserv gets involved, things go south quickly. Engineering quality at Clover is pretty high; engineering quality at Fiserv is embarrassingly bad.