Senior Payments Developer

Senior Payments DeveloperWe are seeking a highly skilled Senior Payments Developer to join our growing engineering team. This role is critical in building and scaling our payments infrastructure while ensuring the highest standards of security and compliance. You will architect, develop, and maintain mission-critical payment systems that handle millions of transactions while adhering to strict PCI DSS compliance requirements.Job ResponsibilitiesDesign and implement scalable, secure payment processing systems and APIsBuild and maintain PCI DSS compliant architecture and data handling processesDevelop robust payment workflows including authorization, capture, settlement, and reconciliationImplement real-time payment monitoring and fraud detection systemsPayment Onboarding: Design merchant and customer onboarding flows with KYC/AML compliancePayment Method Capture: Build secure tokenization and payment method storage systemsPayment Reconciliation: Develop automated reconciliation processes for payment networks and banking partnersPayout Systems: Create efficient payout mechanisms for marketplace and platform businessesDispute Resolution: Build comprehensive chargeback and dispute management workflowsCollaborate with cross-functional teams to define payment product requirementsConduct code reviews and mentor junior developers on payments best practicesStay current with payment industry trends, regulations, and emerging technologiesImplement AI-powered solutions for fraud prevention, risk assessment, and payment optimizationQualifications7+ years of software development experience with 3+ years specifically in paymentsDeep understanding of PCI DSS compliance requirements and implementationProficiency in modern programming languages: Python, Node.js, Ruby on RailsExperience with cloud platforms (AWS, GCP, Azure) and containerization (Docker, Kubernetes)Strong knowledge of RESTful APIs, microservices architecture, and event-driven systemsExperience integrating AI/ML models for fraud detection, risk scoring, or payment optimizationKnowledge of modern frameworks: React, TypeScript, or similarProficiency with databases: PostgreSQL, MongoDB, Redis for high-performance applicationsExperience with message queues and streaming: Kafka, RabbitMQHands-on experience with payment processors (Stripe, Adyen, PayPal, etc.)Understanding of payment networks (Visa, Mastercard, ACH)Knowledge of payment security standards (PCI DSS, PA-DSS, tokenization, encryption)Experience with payment reconciliation, settlement processes, and financial reportingFamiliarity with regulatory requirements (PSD2, KYC, AML, GDPR)Strong problem-solving abilities and attention to detailExcellent communication skills for technical and business stakeholdersAbility to work in fast-paced, agile environmentsExperience with incident response and on-call responsibilitiesTechnical StackLanguages: Python, Go, TypeScript, RoRFrameworks: FastAPI, React, Node.jsDatabases: PostgreSQL, Redis, MongoDBCloud: AWS with KubernetesPayments: Stripe, Adyen, PayPal APIsAI/ML: TensorFlow, PyTorch for fraud detectionMonitoring: DataDog, Prometheus, GrafanaPreferred QualificationsBackground in fintech, banking, or financial servicesCertifications in cloud platforms or security frameworksExperience with real-time payment systems (FedNow, RTP, Faster Payments)Familiarity with open banking APIs and embedded financeWhat We OfferCompetitive salary and equity packageComprehensive health, dental, and vision insuranceFlexible working arrangements and remote work optionsCutting-edge technology stack and toolsOpportunity to work on high-impact payment solutionsCollaborative and inclusive team environment