Software Engineer - Payment Team

Tereina • San Francisco, CA

4d

About The Position

Tereina is an early-stage B2B payments startup supported by SAP. Its platform handles cross-border payment processing, counterparty management, bank account administration, and compliance workflows for enterprise customers. The Payment Team owns the movement of money from payment initiation and validation through routing, execution with banking and payment partners, and status tracking.

As a Software Engineer on the Payment Team, you will build and operate services that handle payments from ERP submission through delivery of funds to beneficiaries. You will report to the Engineering Manager – Payment Team and work with senior engineers and an architect on Payment Request and Payment Execution services. These services support payment intake, validation, entity resolution, sanctions and AML screening, routing, FX-locked instruction plans, scheduling, processor dispatch, ledger and fund-state management, settlement and return tracking, reconciliation, and customer status and account reporting.

You will deliver features end to end, help onboard banks and payment processors, and share responsibility for production health. The services use Java and Spring Boot microservices on Kubernetes, with Google Pub/Sub and Apache Camel integration pipelines. The role includes participation in incident response and an on-call rotation, with follow-the-sun coverage across time zones and occasional emergency support.

The first-month milestones include shipping an initial commit, running both services locally and tracing a payment in the development environment, delivering a production feature or fix, and shadowing an on-call shift. By month three, the engineer is expected to own a feature end to end and join the on-call rotation. By month six, the engineer is expected to contribute to a processor or rail integration through certification and go-live and become a go-to person for an area of the payment flow.

Requirements

• At least 3 years of software engineering experience, including building and running backend systems and APIs in production.
• Proficiency in Java and Spring Boot, RESTful API design, and relational databases such as PostgreSQL, including SQL and schema migrations.
• Working knowledge of message-driven systems, including publish/subscribe, queues, retries, and dead-lettering, and of idempotency, consistency, and failure handling.
• Hands-on experience with modern AI coding assistants, such as Claude Code or GitHub Copilot, and the ability to use them to improve engineering speed, quality, and impact.
• Strong written and verbal communication skills and the ability to work effectively in a fast-paced, cross-functional, distributed team.

Nice To Haves

• Exposure to payments and money movement, including payment lifecycles, settlement, returns, and exceptions.
• Experience with payment rails such as ACH, wires, SWIFT, RTP/FedNow, SEPA, or Faster Payments.
• Familiarity with ISO 20022 messages such as pain.001, pain.002, and camt.052/053.
• Experience with Apache Camel or other enterprise integration frameworks and with Google Pub/Sub, Kafka, or similar messaging systems.
• Exposure to rules engines or decision tables, such as DMN or Drools, and explicit state-machine modeling.
• Experience with double-entry ledgers, fund reservation, or financial reconciliation.
• Understanding of secure API design, sensitive financial data handling, and compliance requirements such as sanctions/AML screening and SOC 2.
• Familiarity with Kubernetes, GCP, observability tooling, and CI/CD.
• Exposure to cross-border payments, FX, multi-currency money movement, or digital-asset/stablecoin settlement.
• Familiarity with SAP ERP payment processes.

Responsibilities

• Implement and evolve features across payment request and payment execution, including validation rules, routing decisions, instruction planning, funding, dispatch, and status tracking.
• Build and maintain adapters for banking partners and payment processors, including API- and webhook-based connectivity, rail-specific rules, sandbox certification, and feature-flagged production launches.
• Develop reliable and auditable payment handling using idempotency, safe redelivery, enforced state-machine transitions, duplicate-submission guards, signed instructions, and revision history.
• Contribute to ledger postings, fund-state transitions, and reconciliation against provider balances.
• Improve the surfacing, explanation, and resolution of failed and held payments, including error codes, operator actions, and internal tooling for Payment Operations.
• Write clean, maintainable, well-tested code, including unit, integration, and end-to-end tests; contribute to design reviews and technical documentation.
• Monitor service health and participate in incident response and root-cause analysis.
• Collaborate with Product, Payment Operations, Quality Engineering, Platform, SAP Integrations, UX, and engineers at banking and payment partners.

Benefits

• Opportunity to own the platform and operations function end to end and expand scope across products, rails, partners, and markets.
• Opportunity to shape how payments operations scale at a B2B payments company.
• Work at the intersection of payments operations and AI-enabled automation.
• Collaborative team culture that values curiosity, inclusion, and sustainable work.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed