Backend Software Development Engineer (Fiat Payments)

• Transak’s Fiat/Payments team builds and operates the rails that move money between traditional banking systems and crypto — ACH, SEPA, Faster Payments, wires, virtual accounts, and card rails
• As an SDE 3, you will own critical, high‑throughput payment microservices end‑to‑end: design, build, scale, and operate systems that move real money for users across multiple currencies and jurisdictions, with US,UK/EU regulatory and global banking‑partner requirements as a core part of the job
• This is a senior individual‑contributor role calibrated against SDE 3 / Senior Engineer, driving architecture decisions, mentoring engineers, and being the go‑to owner for a payments domain, while staying hands‑on in code daily
• Own payment microservices end‑to‑end — design, build, deploy, and operate Node.js services (orders, payment, reconciliation, virtual accounts, payout orchestration) handling real‑time financial transactions at scale
• Design for correctness and failure: idempotent, retry‑safe, reconciliable systems where every transaction is traceable, auditable, and recoverable (partial failures, webhook replays, duplicate detection, distributed state machines)
• Architect for scale and resilience across a distributed microservices architecture; make service‑boundary and build‑vs‑buy decisions; address root causes rather than symptoms
• Drive integrations with banking and payment partners (e.g. banking and card providers / risk providers) — API contracts, webhook handling, sandbox‑to‑production rollout, and reconciliation logic across multiple rails (ACH, SEPA, Faster Payments, wires)
• Work with Risk, Compliance on KYC, AML, and fraud‑control touchpoints in the payment flow
• Build and maintain CI/CD pipelines (Jenkins) — automated testing, blue/green or canary deployments, and rollback strategies for services that cannot tolerate downtime or data loss
• Operate infrastructure on AWS (ECS/EKS, Lambda, SQS/SNS, RDS, CloudWatch); contribute to infra‑as‑code, monitoring, alerting, and on‑call runbooks for payment‑critical systems
• Optimize the data layer: schema design and query performance in MongoDB, caching and rate‑limiting strategies with Redis, and safe migration patterns for high‑volume transactional collections
• Participate in on‑call for payment‑critical services, including incident response and postmortems
• Lead technical roadmaps — break down large, ambiguous payments initiatives into shippable milestones; write design docs/RFCs; drive consensus across Engineering, Product, Risk, and Operations
• Mentor and raise the bar — review code and designs, coach mid‑level engineers, and help hire and grow the team
• Uphold security and compliance best practices for handling PII/financial data in a regulated, PCI‑DSS‑adjacent environment

Benefits

• Team environment: Transak operates on a hybrid work model, with team members across the world. We have a culture of trust and autonomy, with a focus on communication and collaboration
• Career development: At Transak, we believe that learning is a lifelong pursuit. We provide opportunities for our team members to learn and grow, with a focus on personal and professional development
• Health & Wellness Benefits: At transak, your wellbeing is our priority. Enjoy a comprehensive healthcare package, regular wellness programs, mental health support, flexible working hours, and work‑from‑home options
• Work/life balance: Non‑linear workdays are encouraged at Transak. We support our team members to take ownership of their time and schedule in a way that keeps them balanced in life and able to have the impact they want at work

• 6+ years of professional software engineering experience, with a significant portion building backend/distributed systems; prior experience in fintech, payments, on-and-offramp provider, or banking infrastructure strongly preferred
• Solid understanding of CI/CD pipelines, with hands‑on experience using Jenkins (pipeline-as-code, multi‑stage builds, automated test gates)
• Proven experience designing and operating microservices architectures, including inter‑service communication (REST/gRPC/event‑driven via SQS/Kafka,ELK,New relic, Mixpanel), service discovery, and API contract design
• Track record of owning a service or domain end-to‑end in production, including on‑call responsibility
• Working knowledge of AWS infrastructure — ECS/EKS/Lambda, VPC networking basics, IAM, S3, RDS, CloudWatch; infra‑as‑code (Terraform/CloudFormation) is a plus
• Proficiency with Redis — caching, distributed locks, rate limiting, and pub/sub patterns
• Excellent written communication — comfortable authoring design docs/RFCs and explaining trade‑offs to engineers and non‑technical stakeholders (Risk, Ops, external partners)
• Strong grasp of distributed systems fundamentals: idempotency, eventual consistency, retries/backoff, circuit breaking, and failure isolation
• Strong hands‑on expertise in Node.js (TypeScript preferred) for performant, production‑grade backend services
• Deep experience with MongoDB — schema design, aggregation pipelines, indexing strategy, and performance tuning at scale
• Experience with payment rails (ACH, SEPA, Faster Payments, SWIFT/wires) or card processing
• Exposure to KYC/AML/fraud tooling
• Experience at a fintech/crypto‑native company, payments processor, or Big Tech payments org
• Familiarity with banking partner integrations, webhook‑driven reconciliation, or ledger/double‑entry accounting systems
• Prior experience operating in a regulated environment (FCA, EMI/PI licensing context), given the UK/EU banking scope of this role