Full-stack Developer(for our partner group)

About the role
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, settlement) and actually shape the product architecture.

Finance focus. This role is for our Finance direction: 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 gateway, processor, schemes, and banks.

Fintech experience is essential. We need someone who already knows payments and fintech — this isn't a domain to pick up on the side. We expect proactivity and a readiness to take on and own the domain expertise: be the person the team relies on for settlement and reconciliation logic.

Important: we need a strong engineer with deep technical background. The engineering team is top-tier, and the bar is high. We're not looking for average — we're looking for people who can make decisions independently and own the outcome.

What you'll do:

Backend (Kotlin)

Financial Core: double-entry ledger (immutable), settlement engine (MDR calculation, netting, payouts), pricing engine (IC++/blended), rolling reserve management
Integrations: REST API integrations with payment gateway, card processor, KYC/KYB, SEPA/SWIFT payouts
Webhook processing: ingestion and processing of vendor webhooks
BPMN workflows: Camunda 8 — service tasks, user tasks, DMN decision tables for business processes (merchant onboarding, AML investigation, dispute management, settlement)
Compliance: transaction monitoring rules, sanctions screening integration, SAR workflow
API: REST API for merchant portal and ops panel

Frontend (Next.js)

Merchant Portal: dashboard (transactions, volumes, conversion), settlement history, payouts, chargebacks, API keys, webhook settings, onboarding wizard
Ops Panel: case management (AML, disputes), treasury dashboard, compliance dashboard, underwriting, merchant management
Developer Portal: API documentation (OpenAPI), integration guides, sandbox

General

Reconciliation: multi-layer reconciliation engine (gateway ↔ processor ↔ scheme ↔ bank ↔ safeguarding)
Reporting: regulatory reporting, scheme reporting (Visa/MC), financial (P&L)
Testing: we're AI-first when it comes to testing — fully automated coverage at every level: unit, integration, E2E. No manual QA — you write code, you write tests. E2E tests for the full payment flow (auth → capture → settlement → payout), integration tests with vendors, BPMN process tests via 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, CI/CD
Webhook processing, event-driven architecture
Okta / OAuth2 / OpenID Connect

Fintech / payments experience — a must, not a nice-to-have: settlements, reconciliation, bank integrations, integration with a core banking system

AI-fluency — active integration of AI tools (Cursor, Claude Code, Codex) into daily engineering work. Not just "aware of AI" — uses it to multiply productivity, with a critical eye for generated output

Proactivity — identifies problems before they surface, proposes solutions, drives them to done. 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, shadcn/ui