Senior Full-Stack Engineer

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.