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Senior Backend Developer – Fintech & Payment Orchestration(High-Risk Payments, iGaming & Fintech)

Payomatix Technologiesvia Talents By StudySmarter
RemotoHull, Iowa, UsSêniorCLT7 dias atrás

Salário Estimado

R$ 12.870,00 - R$ 19.305,00

Descrição da Vaga

Location: Remote / Hybrid Department: Technology Salary : 3000 USD / per month Company Description Payomatix is a Dubai-based fintech company revolutionizing the way businesses manage and scale digital financial ecosystems.


With expertise in payment orchestration, white-label financial products, embedded banking solutions, and neo banking, Payomatix enables businesses to deliver seamless and compliant payment experiences across global markets.


We prioritize modular, scalable, and innovation-driven financial infrastructures to empower businesses, maximize growth, and unlock new revenue potential.


Our solutions include intelligent payment routing, customized financial products, Banking as a Service (BaaS), and secure global payouts.


Role Description As a Senior Backend Developer for Payomatix Technologies, you will play a critical role in designing and implementing back-end infrastructure for our fintech and payment orchestration platforms.


Responsibilities include developing scalable APIs, optimizing database performance, designing microservices, integrating various payment processors, and ensuring the reliability and security of our backend systems.


You will collaborate closely with cross-functional teams to deliver cutting-edge solutions in high-risk payments, iGaming, and fintech.


This is a full-time, remote role requiring strong technical expertise and an innovative mindset.


WHO YOU WILL WORK FOR : PAYAGENCY About PayAgency PayAgency is a global fintech company specializing in payment orchestration, high-risk merchant processing, cross-border settlements, and fraud-resilient transaction infrastructure.


We work with PSPs, acquirers, banks, and high-growth merchants across industries including gaming, forex, crypto, nutraceuticals, and digital services.


We are building a robust, scalable, and compliance-first payment ecosystem — and we are looking for a Senior Developer who can help architect, build, and optimize this infrastructure.


Technology Stack (Current & Expected)Backend • Node.js (Primary)

NestJS / Express.js • Python (Microservices / Risk modules)
REST & Webhook-based APIs • GraphQL (where required) Database
PostgreSQL • MongoDB
Redis (Caching & Queue management) Messaging & Queues • Kafka / RabbitMQ
Bull Queue (Node-based background jobs) Cloud & Infrastructure • AWS (EC2, S3, RDS, Lambda)
Docker • Kubernetes (Container orchestration)
NGINX • CI/CD pipelines (GitHub Actions / GitLab CI) Payments & Security
PCI-DSS Compliant Architecture • Tokenization systems
3D Secure integrations • Fraud & risk rule engine
Chargeback management modules • Encryption standards (AES, RSA, SSL/TLS) Integrations
Multiple PSP APIs • Acquirer integrations
Open Banking APIs • KYC/AML APIs
Payment orchestration routing logic Role Overview We are seeking a Senior Backend Developer who understands not only code — but financial transaction flows, risk management, scalability, and compliance constraints.

This role requires ownership.


You will design, build, optimize, and maintain mission-critical payment infrastructure that processes high-volume and high-risk transactions globally.


Key Responsibilities Architecture & Development • Design scalable microservices architecture for payment routing and orchestration.

Develop and maintain secure RESTful APIs for PSP and bank integrations. • Implement high-availability systems for transaction processing.
Optimize real-time transaction routing logic for maximum approval rates.

Payment Integrations • Integrate multiple global PSPs and acquirers.

Handle webhook systems and asynchronous callbacks. • Implement retry logic, cascading, and smart routing mechanisms.
Build failover systems for multi-MID and multi-processor setups.

Security & Compliance • Ensure PCI-DSS alignment in application architecture.

Implement encryption standards and secure tokenization. • Work closely with compliance and risk teams for fraud controls.
Develop monitoring tools for suspicious transaction patterns.

Performance & Scalability • Optimize database queries and reduce latency.

Handle high concurrency transaction flows. • Implement caching and queuing mechanisms.
Design systems that can scale across regions.

Fraud & Risk Infrastructure • Collaborate on risk scoring engines.

Implement rule-based fraud logic. • Support chargeback and dispute management automation.
Build analytics modules for transaction health.

DevOps Collaboration • Work with DevOps for CI/CD pipeline optimization.

Monitor logs and system performance. • Support production debugging and incident management.

Leadership & Ownership • Mentor junior developers.

Conduct code reviews. • Drive best coding practices and architecture decisions.
Take full ownership of modules and deliverables.

Required Skills & Experience • 5+ years of backend development experience.

2+ years in fintech/payments/financial systems (preferred). • Strong expertise in Node.js and microservices.
Deep understanding of payment lifecycle (authorization, capture, settlement, refund). • Experience with multi-PSP integrations.
Strong knowledge of API security standards. • Experience working with high-risk or regulated environments.
Understanding of AML/KYC workflows. • Familiarity with cloud-native architecture (AWS preferred).
Experience handling real-time, high-volume systems.

Preferred (Bonus) Skills • Experience in payment orchestration platforms.

Knowledge of Visa/Mastercard processing flows. • Experience working with chargeback automation.
Familiarity with blockchain/crypto payments. • DevOps hands-on exposure.
Experience in fraud detection systems.

What We're Looking For We don't want just a developer.


We want someone who:

Thinks like an architect.
Takes ownership like a founder. • Understands that payments are not just APIs — they are risk, compliance, reputation, and trust.
Has a long-term growth mindset. • Can build systems that are secure, resilient, and scalable.

What We Offer • Opportunity to build a global fintech infrastructure.

High-impact leadership role. • Fast decision-making environment.
Exposure to high-risk, cross-border payment ecosystems. • Performance-driven growth.

Requisitos

  • PostgreSQL
  • AWS (EC2, S3, RDS, Lambda)
  • Multiple PSP APIs
  • Acquirer integrations
  • Open Banking APIs
  • KYC/AML APIs
  • Handle webhook systems and asynchronous callbacks
  • Required Skills & Experience
  • 5+ years of backend development experience
  • Strong expertise in Node.js and microservices
  • Deep understanding of payment lifecycle (authorization, capture, settlement, refund)
  • Experience with multi-PSP integrations
  • Strong knowledge of API security standards
  • Experience working with high-risk or regulated environments
  • Understanding of AML/KYC workflows
  • Experience handling real-time, high-volume systems
  • Thinks like an architect
  • Takes ownership like a founder
  • Understands that payments are not just APIs — they are risk, compliance, reputation, and trust
  • Has a long-term growth mindset
  • Can build systems that are secure, resilient, and scalable

Responsabilidades

  • As a Senior Backend Developer for Payomatix Technologies, you will play a critical role in designing and implementing back-end infrastructure for our fintech and payment orchestration platforms
  • Responsibilities include developing scalable APIs, optimizing database performance, designing microservices, integrating various payment processors, and ensuring the reliability and security of our backend systems
  • You will collaborate closely with cross-functional teams to deliver cutting-edge solutions in high-risk payments, iGaming, and fintech
  • This is a full-time, remote role requiring strong technical expertise and an innovative mindset
  • Node.js (Primary)
  • NestJS / Express.js
  • Python (Microservices / Risk modules)
  • REST & Webhook-based APIs
  • GraphQL (where required)
  • Messaging & Queues
  • Kubernetes (Container orchestration)
  • NGINX
  • CI/CD pipelines (GitHub Actions / GitLab CI)
  • We are seeking a Senior Backend Developer who understands not only code — but financial transaction flows, risk management, scalability, and compliance constraints
  • This role requires ownership
  • You will design, build, optimize, and maintain mission-critical payment infrastructure that processes high-volume and high-risk transactions globally
  • Key Responsibilities Architecture & Development
  • Design scalable microservices architecture for payment routing and orchestration
  • Develop and maintain secure RESTful APIs for PSP and bank integrations
  • Implement high-availability systems for transaction processing
  • Optimize real-time transaction routing logic for maximum approval rates
  • Payment Integrations
  • Integrate multiple global PSPs and acquirers
  • Implement retry logic, cascading, and smart routing mechanisms
  • Build failover systems for multi-MID and multi-processor setups
  • Security & Compliance
  • Ensure PCI-DSS alignment in application architecture
  • Implement encryption standards and secure tokenization
  • Work closely with compliance and risk teams for fraud controls
  • Develop monitoring tools for suspicious transaction patterns
  • Performance & Scalability
  • Optimize database queries and reduce latency
  • Handle high concurrency transaction flows
  • Implement caching and queuing mechanisms
  • Design systems that can scale across regions
  • Fraud & Risk Infrastructure
  • Collaborate on risk scoring engines
  • Implement rule-based fraud logic
  • Support chargeback and dispute management automation
  • Build analytics modules for transaction health
  • DevOps Collaboration
  • Work with DevOps for CI/CD pipeline optimization
  • Monitor logs and system performance
  • Support production debugging and incident management
  • Mentor junior developers
  • Conduct code reviews
  • Drive best coding practices and architecture decisions
  • Take full ownership of modules and deliverables

Benefícios

Payments & Security
PCI-DSS Compliant Architecture
Tokenization systems
3D Secure integrations
Fraud & risk rule engine
Chargeback management modules
Encryption standards (AES, RSA, SSL/TLS)
Opportunity to build a global fintech infrastructure
High-impact leadership role
Fast decision-making environment
Exposure to high-risk, cross-border payment ecosystems
Performance-driven growth

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Informações

NívelSênior
ContratoCLT
LocalHull, Iowa, Us
RemotoSim
MoedaBRL
Publicada7 dias atrás
FonteTalents By StudySmarter

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