Xformative - Fintech Software Engineer

Total Administrative Services Corporation•Madison, WI

1d•Remote

About The Position

Xformative Payment Systems is a late-stage startup focused on card-based and payment product capabilities for healthcare and benefits. The company is entering its growth phase and expanding beyond its current markets. XPS offers a flexible, fully remote work environment where team members can drive impactful work and balance professional and personal lives. The Fintech Software Engineer will join the growing technical team, responsible for designing, developing, and delivering high-performance, scalable software solutions in the financial technology domain. This role involves building secure, reliable payment systems, integrating financial services, and enhancing user experience through APIs and backend infrastructure. The engineer will also own a subset of the platform, driving its development, maintenance, and improvement.

Requirements

Bachelor’s degree in Computer Science, Engineering, or a related field (or equivalent experience).
5+ years of experience in software development with a focus on financial technology and payments.
Proven experience building scalable, secure software solutions and APIs for high-transaction systems.
Experience working in fast-paced, startup environments is a plus.
Strong programming proficiency in Node.js, TypeScript, or similar languages.
Experience designing and implementing APIs, backend systems, and microservices architectures.
Familiarity with cloud services (AWS experience preferred) for building and scaling software applications.
Understanding of software security, encryption, and compliance standards in fintech (e.g., PCI-DSS, SOC2).

Nice To Haves

Architect scalable and secure financial software systems with a focus on payments, API-driven services and AWS infrastructure.
Design robust, secure, and high-performance APIs for internal and external use.
Proficient in Node.js and TypeScript, with strong experience building distributed backend systems.
Participate in Agile development cycles, collaborating with teams to align on feature development and release timelines.
Solid understanding of fintech ecosystems, including ACH, payment gateways, and real-time transaction processing.
Ability to work independently with limited supervision in order to achieve goals.

Responsibilities

Own the architecture for a significant component or collection of services. Develop, and maintain financial software solutions with a strong emphasis on payment systems, transaction processing, and integration of financial services. Establishing oneself as a go-to resource for specific components or architectural areas.
Design and build scalable, secure, and efficient APIs for customer-facing and internal financial services, with a focus on reliability, performance, and data security.
Develop distributed backend systems with high-availability, fault tolerance, and security, using technologies like Node.js, TypeScript, and event-driven architecture.
Work closely with cross-functional teams including product, design, and operations to deliver features, meet deadlines, and ensure smooth releases in an Agile environment.
Implement and maintain monitoring, logging, and alerting systems using AWS CloudWatch and other relevant tools. Monitor system performance and ensure optimal resource utilization.
Respond to system incidents, diagnose issues, and resolve them promptly. Perform post-mortem analyses of incidents to prevent future occurrences.
Design and implement integrations with third-party financial services and payment gateways (e.g., ACH, credit card processing, digital wallets).
Ensure high-quality code through automated testing, peer reviews, and continuous integration practices. Champion coding standards and best practices across the team.
Ensure systems comply with security policies and industry standards like PCI-DSS.
Be able to solve problems involving complex sets of requirements and translating them into implementable plans. Lead the effort to implement these plans to improve our fintech products, enhancing performance, security, and scalability as the company grows.
Collaborate with leaders on the product team to develop strategic software solutions that address customer needs, ensuring a seamless user experience across all financial services and APIs.
Support broader engineering initiatives and adapt to the dynamic priorities of a high-growth startup. Perform additional duties as requested by Supervisor and/or Management.