Backend Developer - Financial experience

This is primarily a backend development / coding related role, with 75% of time to be dedicated in this area.

For this role Candidates must have:

• Strong Java experience with Kotlin and Scala experience (all 3 are needed for consideration for this role)
• Candidates who have worked for Financial organizations or produced work for Financial organizations will have preference, others who have worked within highly regulated industries (Insurance / Healthcare) will be considered.

Other key skills that will set a candidate apart from others:

• ACH transaction experience / NACHA compliance experience is an added advantage for consideration for this role

Role description/Summary

Our established Financial Client is seeking a strong candidate for a Backend Developer/Software Engineer who will play a key role in transforming a client's product architecture.

• The primary purpose of this role is to design, build, and maintain backend services that power our financial transaction processing systems, with a focus on ACH processing and NACHA compliance.
• Will be responsible for developing secure, scalable, and efficient services using Java/Kotlin/Spring in a micro-service-based architecture running on Kubernetes.

Success in this role will be measured by:

• Accuracy and timeliness of ACH transaction processing.
• System stability, scalability, and uptime.
• Compliance with NACHA, FedACH, and internal policies.
• Reduction in transaction discrepancies and resolution turnaround time.

Key/Principal Responsibilities:

• Process incoming and outgoing ACH transactions and files in accordance with NACHA rules and FedACH requirements.
• Investigate and resolve ACH discrepancies, errors, and exceptions.
• Design, develop, test, and maintain backend services and APIs in a microservices environment.
• Collaborate with cross-functional teams, including product, operations, and compliance, to gather requirements, provide estimates, and deliver high-quality solutions.
• Participate in sprint planning, code reviews, and system architecture discussions.
• Ensure backend systems follow security, compliance, and data privacy best practices.
• Monitor, analyze, and improve system performance through analytics, metrics, and logging integrations.
• Maintain documentation and contribute to knowledge sharing within the team.
• Work closely with senior engineers and architects; may mentor junior developers depending on experience level.

Required Skills and Experience:

• Minimum 6+ years of programming experience, ideally with a modern backend stack.
• 4+ years' experience with Java, Kotlin, and Scala.
• Strong understanding of relational databases (PostgreSQL preferred) and ORM frameworks
• Experience with micro-services and service-oriented architectures (SOA).
• Cloud platforms experience (Kubernetes preferred).
• Proficiency with CI/CD pipelines.
• Test-driven development experience, including unit and integration testing.
• Proven ability to translate business requirements into scalable technical solutions.
• Familiarity with secure coding practices and regulatory compliance in financial services.
• Agile software development experience.

Nice to have skills:

• Experience with Fiserv systems and/or general credit product knowledge.
• NACHA experience (highly preferred).
• Experience processing ACH returns, NOCs, and DNEs.
• Exposure to analytics and monitoring tools.
• Relevant technical certifications (e.g., Java, Kubernetes, AWS, or NACHA Accredited ACH Professional).