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No legacy, no bureaucracy - just you and a small but incredibly strong engineering team making the right technical decisions together. A chance to go deep into fintech (card payments, compliance, settlements) and help shape the product architecture.
Finance focus. This role sits within our Finance domain: settlements, reconciliation, bank integrations, and integration with the core banking system. You'll go deep into the money flow - how funds move, settle, and reconcile across the gateway, processor, card schemes, and banks.
Fintech experience is essential. We need someone who already understands payments and fintech - this isn't a domain you can pick up on the side. We expect proactivity and ownership: become the person the team relies on for settlement and reconciliation logic.
Important: we need a strong engineer with a deep technical background. The engineering team is top-tier, and the bar is high. We're not looking for average - we're looking for someone who makes decisions independently and owns the outcome.
What you'll do:
Backend (Kotlin)
- Financial Core: Build and evolve the double-entry ledger (immutable), settlement engine (MDR calculation, netting, payouts), pricing engine (IC++ / blended), and rolling reserve management.
- Integrations: Build REST API integrations with payment gateways, card processors, KYC/KYB providers, and SEPA / SWIFT payouts.
- Webhook Processing: Build and maintain reliable ingestion and processing of vendor webhooks.
- BPMN Workflows: Develop Camunda 8 workflows using service tasks, user tasks, and DMN decision tables for merchant onboarding, AML investigations, dispute management, and settlements.
- Compliance: Implement transaction monitoring rules, sanctions screening integrations, and SAR workflows.
- API: Build REST APIs for the Merchant Portal and Operations Panel.
Frontend (Next.js)
- Merchant Portal: Build dashboards (transactions, volumes, conversion), settlement history, payouts, chargebacks, API key management, webhook settings, and onboarding flows.
- Ops Panel: Build tools for AML case management, disputes, treasury, compliance, underwriting, and merchant management.
- Developer Portal: Build and maintain API documentation (OpenAPI), integration guides, and sandbox environments.
General
- Reconciliation: Build and evolve the multi-layer reconciliation engine (gateway ↔ processor ↔ scheme ↔ bank ↔ safeguarding).
- Reporting: Build regulatory reporting, card scheme reporting (Visa / Mastercard), and financial reporting.
- Testing: We're AI-first when it comes to testing - fully automated coverage at every level: unit, integration, and E2E. No manual QA - you write code, you write tests. Build E2E coverage for the full payment flow (auth → capture → settlement → payout), vendor integration tests, and BPMN process tests through the Camunda API.
Requirements:
Must have
- 6+ years of Kotlin or Java (Spring Boot) - REST APIs, JPA/Hibernate, transaction management.
- 3+ years of Next.js / React - SSR, TypeScript, state management.
- PostgreSQL - queries, migrations, indexes, JSONB.
- REST API design - versioning, error handling, idempotency.
- Git and CI/CD.
- Webhook processing and event-driven architecture.
- Okta / OAuth2 / OpenID Connect.
Fintech / payments experience - a must, not a nice-to-have. You should already have hands-on experience with settlements, reconciliation, bank integrations, and integration with a core banking system.
AI fluency - actively integrates AI tools (Cursor, Claude Code, Codex, or similar) into daily engineering work. Not just "aware of AI" - uses them to multiply productivity while applying strong engineering judgment to the output.
Proactivity - identifies problems before they surface, proposes solutions, drives them to completion. Doesn't wait to be told what to do.
English - confident reading and listening is a must. Good spoken English is a strong plus.
Nice to have
- Understanding of double-entry accounting.
- Camunda / BPMN experience.
- Tailwind CSS and shadcn/ui.
