An agile and growing payments company are seeking a skilled Payments Rails Engineer to join their team. You will ideally have extensive hands-on experience collaborating with leading banks, networks, and payment infrastructures, and have familiarity with emerging technologies such as FedNow and Central Bank Digital Currencies (CBDC).
The ideal candidate will possess a robust software engineering background and in-depth expertise in managing payment transactions and ensuring data security.
This position requires a comprehensive understanding of APIs from various Payment Service Providers, a commitment to data security, and the capability to design secure, scalable payment applications. You will also navigate product deliverables through compliance processes related to security and privacy.
Key Responsibilities of the Payments Rails Engineer:
- Integrate payment and processing functionalities for their offerings, including onboarding for new issuer payments and account systems.
- Build secure backend systems to support payment operations and future development.
- Protect user data and financial institution details by implementing best practices in data security and conducting thorough penetration tests.
- Develop detailed tests for infrastructure and APIs to maintain high-quality code and secure environments.
- Create, document, and oversee an SDK containing private and public APIs for use by both internal teams and external customers.
- Work alongside front-end developers to connect user-facing features with server-side account and transaction logic.
- Proactively identify and address immediate and potential issues, collaborating with the team to prioritize resolutions. Provide technical insights and simplified proposals when needed.
Required Technical Skills of the Payments Rails Engineer:
- Proficient in programming languages such as C/C++, Java, and TypeScript, with experience in frameworks like React, Node.js, and Spring Boot.
- Strong grasp of data security principles and cryptographic techniques.
- In-depth knowledge of US credit and debit payment infrastructures and APIs from Payment Gateways.
- Familiarity with EMV payment protocols and relevant standards such as EMV, ISO7816, and ISO14443.
- Understanding of security standards and practices, including JSON, X.509, SHA-3, and FIPS.
- Experience working with tokenization APIs from providers like Chase, FIS, Visa, Mastercard, Discover, and Amex.
- Knowledge of common payment security, privacy, and compliance protocols like KYC, CPOC, PCI DSS, and FIDO.
- Familiarity with Issuance APIs from companies like Bancorp, GreenDot, and CPI.
- Ability to write tests for various components, from applications to APIs to payment systems.
- Experience with on-premises and cloud infrastructure, including containerization and deployment on cloud platforms.
- Understanding of ledger technologies.
The team do require the successful individual to be onsite in Austin most days of the week. They can offer a relocation package to stand-out candidates, so if you are outside of Austin but would be open to relocation, please apply.
There is a significant range on the base for this role for a stand-out candidate, alongside medical, dental, optical and 401k. If you think you are suitable for this role, please apply for immediate consideration.
