Backend Engineer / Core Lead - BFSI Cloud & Payments Platform

Role : Backend Engineer / Core Lead - BFSI Cloud & Payments Platform

Location : Charlotte, NC (Hybrid)

Contract role

Role Summary

We are seeking an experienced Backend Engineer / Core Lead to design, develop, and lead the implementation of core backend services supporting transaction tracing, investigation workflows, event processing, orchestration, and observability for Banking and Financial Services (BFSI) platforms. This role requires strong expertise in Java, Spring Boot, Microservices, Event-Driven Architectures, API development, and transaction processing systems. The candidate will serve as the technical lead for backend engineering, ensuring scalable, secure, and high-performance platform services.

Key Responsibilities

Backend Engineering & Application Development

• Design and develop enterprise-grade backend services using Java and Spring Boot.
• Build scalable REST APIs supporting transaction search, tracing, investigation, and analytics use cases.
• Develop microservices architecture patterns for distributed transaction processing.
• Implement business workflows and transaction lifecycle management services.
• Develop reusable frameworks, libraries, and engineering accelerators.
• Define backend engineering standards, coding guidelines, and best practices.
• Support modernization of legacy applications into cloud-native services.

BFSI Transaction Processing & Platform Services

Develop backend solutions supporting:

• Payments Platforms (ACH, RTP, FedNow, SWIFT, ISO 20022)
• ATM Transaction Processing Systems

Key responsibilities include:

• Develop transaction processing and correlation services.
• Build state-machine-based workflow and orchestration frameworks.
• Design event handling, routing, and processing services.
• Implement transaction tracing and investigation workflows.
• Create scheduling, notification, and alert management frameworks.
• Support reconciliation and transaction exception handling capabilities.

API, Integration & Service Orchestration

• Design and develop RESTful APIs following OpenAPI standards.
• Build API Gateway and service orchestration solutions.
• Integrate backend services with Kafka, Neo4j, NoSQL databases, reporting platforms, and external systems.
• Develop event-driven integrations using messaging platforms.
• Enable secure and scalable service-to-service communication.
• Support third-party system integrations and enterprise service interfaces.

Security, Identity & Compliance

• Implement secure application development practices.
• Design authentication and authorization frameworks.
• Support OAuth2, JWT, SSO, RBAC, and enterprise identity integrations.
• Build audit logging and transaction audit capabilities.
• Implement encryption, secrets management, and secure API design principles.
• Support vulnerability remediation and secure coding practices.

Cloud Engineering & DevSecOps

• Develop cloud-ready and containerized backend services.
• Support CI/CD implementation and deployment automation.
• Enable Kubernetes-based deployments and platform orchestration.
• Implement monitoring, logging, tracing, and operational observability.
• Support DevSecOps practices across the software development lifecycle.

Performance, Reliability & Observability

• Optimize backend services for high throughput and low latency.
• Implement resiliency patterns including retry, circuit breaker, and failover mechanisms.
• Design monitoring, alerting, and health check frameworks.
• Support performance tuning and scalability initiatives.
• Build operational dashboards and observability capabilities.
• Ensure high availability and reliability of mission-critical services.

Leadership & Stakeholder Management

• Lead backend engineering activities across project phases.
• Mentor and guide software engineers and technical contributors.
• Participate in architecture reviews and design governance forums.
• Collaborate with solution architects, data engineers, business stakeholders, and operations teams.
• Support estimation, planning, sprint execution, and technical decision-making.
• Drive engineering excellence and continuous improvement initiatives.

Required Qualifications

• Bachelor's or Master's degree in Computer Science, Engineering, Information Technology, or related field.
• 7+ years of experience in backend application development and enterprise software engineering.
• Strong hands-on expertise with:
• Java 11+
• Spring Boot
• Microservices Architecture
• REST APIs
• Kafka
• Event-Driven Architecture
• SQL and NoSQL Databases
• Experience designing and developing high-performance backend systems.
• Strong understanding of distributed systems and transaction processing.
• Experience with CI/CD, containerization, and cloud-native development.
• Strong debugging, performance tuning, and problem-solving skills.
• Experience working in Agile development environments.

Technical & Domain Knowledge

Preferred Qualifications

• Banking and Financial Services domain experience.
• Experience with ATM transaction processing and investigation systems.
• Knowledge of ISO 8583, ACH, RTP, SWIFT, and ISO 20022 standards.
• Experience with Neo4j or Graph Database technologies.
• Familiarity with real-time event processing platforms.
• Experience building large-scale, high-availability transaction systems.
• Exposure to observability and transaction monitoring solutions.
• Cloud certifications in Azure, AWS, or Google Cloud Platform preferred.

Success Measures

• Reliable and scalable backend services supporting business-critical workloads.
• Secure and high-performing APIs with strong availability and resiliency.
• Accurate transaction tracing, investigation, and workflow processing capabilities.
• Efficient integration with data, graph, reporting, and enterprise systems.
• Improved platform observability, monitoring, and operational visibility.
• Reduced latency, improved throughput, and higher system reliability.
• Successful delivery of enterprise-grade backend services supporting banking and payments modernization initiatives.