Senior Java Software Engineer

Join Our Team:

We are modernizing payment facilitation and settlement operations for our businesses. Our PayFac Settlement & Funding Engineering Team is at the core of ensuring accurate, reliable, and efficient movement of funds. We are seeking an experienced and motivated Senior Settlement Developer to help us scale and enhance our funding, reconciliation, and reporting systems.

About the Role:

As a Senior PayFac Settlement & Funding Developer, you will design and develop core PayFac settlement systems with a focus on data integrity, API development, and reconciliation process. You ll also own troubleshooting, unit testing, and delivering reliable solutions that integrate with existing systems, ensuring accurate funding workflows and reporting.

Key Responsibilities:

Design and develop APIs using Spring Boot, Python (Lambda), C#, AWS RDS, and AWS services.

Analyze and optimize SQL queries, stored procedures, and data models in RDS for high-volume transaction processing and reconciliation.

Enhance and automate reconciliation workflows.

Develop and execute unit tests and perform troubleshooting to ensure robust, error-free systems.

Implement retry mechanisms, auditing, error handling, and improve system resilience across settlement and funding services.

Create, configure, and optimize virtualized systems within AWS to meet business and performance requirements

Implement automation using scripting languages to manage AWS services and streamline operations

Build and configure delivery environments supporting CI/CD pipelines using Agile delivery methodology, with an emphasis on automated testing and code integration

Collaborate with cross-functional teams, including front-end developers, product managers, and DevOps, to design and deliver comprehensive solutions

Demonstrate knowledge of container management and orchestration tools (e.g., Docker, Kubernetes), infrastructure-as-code (e.g., Terraform), and modern build tools (e.g., Maven, Jenkins)

Continuously monitor and improve AWS applications to optimize performance, reduce costs, and maintain high availability

Apply an understanding of static code analysis, unit testing, and test-driven development, security testing, and automated test frameworks

Strong skills in creating architecture diagrams and process flow documentation.

Qualifications:

5+ years of backend development experience in fintech, payments, or financial services.

Strong expertise in Spring Boot (Java), SQL (complex queries, stored procedures, data modeling), and Python (AWS Lambda).

Experience developing and integrating APIs and working with AWS services, particularly RDS for database management.

Good understanding of ACH processing, including file generation, returns, cut-off times, and funding with banks or partners.

Deep understanding of PayFac funding, settlement, and reconciliation processes, with knowledge of ledger systems, adjustments, transaction validation, and reporting.

Strong knowledge of professional software engineering practices & best practices for the full software development lifecycle, including coding standards, code reviews, source control management, build processes, testing, and operations

Bachelor s degree in computer science, a related technical field, or equivalent practical experience

Excellent problem-solving skills.

Fluent in both verbal and written English communication

Nice to Have:

Familiarity with messaging systems (Kafka, SQS, SNS) and observability tooling.

Exposure to AI/ML for data validation

Understanding of ACH exception management workflows, including returns, NOC (Notice of Change), dispute handling automation, and reversal processes.

Preferred AWS certifications, such as AWS Certified Solutions Architect or AWS Certified Developer.

Job Type and Compensation:

Full-time position.

Competitive salary based on experience.

Benefits include medical, vision, and dental insurance, 401K, PTO, HSA, and FSA.

Support for ongoing professional development, including AWS training and certification reimbursement