Senior Software Engineer

Vantaca+HOAi•Wilmington, NC

52d•Remote

About The Position

We're seeking a Senior Software Engineer to own our accelerate payment products, building and maintaining the critical systems that handle money movement between Vantaca and our payment partners. This role requires someone who can architect resilient, secure, and compliant payment systems while navigating the complexities of ACH, credit card processing, wire transfers, and payment reconciliation. You'll work directly with payment processors, banking partners, and internal stakeholders to ensure accurate, timely payment processing that our customers depend on for their business operations. This position offers the opportunity to establish patterns and frameworks that will scale across our platform while mentoring other engineers on payment processing best practices.

Requirements

8+ years of software development experience with C#, .NET Framework, and .NET Core
Proven experience building and maintaining payment processing systems (not just adjacent experience)
Deep understanding of payment methods: ACH (same-day ACH, NACHA rules), credit card processing (authorization, capture, settlement), wire transfers
Experience with payment reconciliation: matching transactions across systems, handling settlement timing differences, resolving discrepancies
Strong understanding of payment failure handling, retry strategies, and idempotency patterns
Experience implementing PCI DSS compliance requirements
Advanced SQL knowledge including T-SQL, stored procedures, and query optimization
Experience with payment processor APIs (Stripe, Authorize.net, payment gateways)
Experience with secure credential management, tokenization, and encryption practices
Demonstrated ability to debug complex payment issues across multiple systems
Understanding of transactional consistency, compensation patterns, and exactly-once processing guarantees
Experience with CI/CD pipelines (Azure Pipelines preferred) and Infrastructure as Code (Terraform)
Strong problem-solving skills with high attention to detail (critical for financial accuracy)
Strong technical communication skills, both written and verbal

Nice To Haves

Experience with multiple payment processors and payment orchestration
Knowledge of payment industry standards (ISO 20022, NACHA file formats, card network specifications)
Experience with chargeback handling and dispute management
Familiarity with payment fraud detection patterns
Experience with SOC 2 compliance frameworks
Background in FinTech, PropTech, or SaaS companies handling payment processing
Understanding of accounting principles related to payment processing (revenue recognition, reconciliation)
Experience with webhook-based payment status updates
Azure cloud platform experience
Entity Framework, Dapper, or similar ORM/micro-ORM experience
Experience with message-based architectures for payment events (Azure Service Bus, queues, topics)
Experience with Agile/Scrum development methodologies
Experience with payment analytics and reporting systems

Responsibilities

Payment Architecture & Development:
Architect, design, and develop robust, scalable, and secure payment processing systems supporting multiple payment methods (ACH, credit card, wire transfer)
Partner with payment processors and gateways to understand API capabilities, fee structures, settlement timelines, and roadmaps
Lead the end-to-end payment processing lifecycle from initiation through settlement and reconciliation
Implement comprehensive payment reconciliation systems that match transactions across multiple systems (gateway, bank, internal ledger)
Design fault-tolerant patterns for payment processing:
Idempotent payment operations to prevent duplicate charges
Retry logic with exponential backoff for transient failures
Compensation/reversal patterns for failed multi-step payment workflows
Dead letter queue handling for payment exceptions
Implement webhooks and event-driven architecture for payment status updates
Build monitoring and alerting systems for payment anomalies (sudden decline spikes, processing delays, settlement discrepancies)
Implement security best practices including PCI DSS compliance, tokenization, and secure credential management
Design and implement payment failure analysis and auto-retry strategies
Payment Operations:
Complete development tasks on time with exceptional attention to quality, performance, and regulatory compliance
Collaborate within a scrum team environment, translating product manager requirements into technical payment solutions
Create detailed runbooks for payment processing incidents (stuck payments, reconciliation gaps, processor outages)
Collaborate with Finance/Accounting teams to:
Validate payment data accuracy and resolve discrepancies
Support month-end reconciliation processes
Investigate payment exceptions and chargebacks
Maintain audit trails for all payment operations to support compliance requirements
Conduct code reviews with emphasis on payment integrity and security
Mentor junior and mid-level developers on payment processing best practices
Troubleshoot payment issues across the full stack (UI → API → processor → bank)
Document payment workflows, processor integrations, and reconciliation processes in Guru
Assist with bi-weekly production deployments (occurs after hours)
Participate in technical support ticket bashes for payment-related issues
Keep Integrations Engineering Manager updated on payment processing metrics and barriers
Develop comprehensive unit and integration tests for payment flows
Contribute to code reviews and maintain high code quality standards

Benefits

Medical, Dental, and Vision kick in day one.
Unlimited PTO (with a requirement for employees to take a minimum of one continuous week per year).
401K with Company Match.
Remote Flexible - come to the office when needed.
Great parental leave benefits.

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