Settlement Account Senior Developer

About the Role:

As a Senior Settlement & Funding Developer, you will design and develop core PayFac settlement systems with a focus on data integrity, API development, and reconciliation process. You’ll also own troubleshooting, unit testing, and delivering reliable solutions that integrate with existing systems, ensuring accurate funding workflows and reporting.

Key Responsibilities:

• Design and develop APIs using Spring Boot, Python (Lambda), C#, AWS RDS, and AWS services.
• Analyze and optimize SQL queries, stored procedures, and data models in RDS for high-volume transaction processing and reconciliation.
• Enhance and automate reconciliation workflows.
• Develop and execute unit tests and perform troubleshooting to ensure robust, error-free systems.
• Implement retry mechanisms, auditing, error handling, and improve system resilience across settlement and funding services.
• Create, configure, and optimize virtualized systems within AWS to meet business and performance requirements
• Implement automation using scripting languages to manage AWS services and streamline operations
• Build and configure delivery environments supporting CI/CD pipelines using Agile delivery methodology, with an emphasis on automated testing and code integration
• Collaborate with cross-functional teams, including front-end developers, product managers, and DevOps, to design and deliver comprehensive solutions
• Demonstrate knowledge of container management and orchestration tools (e.g., Docker, Kubernetes), infrastructure-as-code (e.g., Terraform), and modern build tools (e.g., Maven, Jenkins)
• Continuously monitor and improve AWS applications to optimize performance, reduce costs, and maintain high availability
• Apply an understanding of static code analysis, unit testing, and test-driven development, security testing, and automated test frameworks
• Strong skills in creating architecture diagrams and process flow documentation.

Qualifications:

• 5+ years of backend development experience in fintech, payments, or financial services.
• Strong expertise in Spring Boot (Java), SQL (complex queries, stored procedures, data modeling), and Python (AWS Lambda).
• Experience developing and integrating APIs and working with AWS services, particularly RDS for database management.
• Good understanding of ACH processing, including file generation, returns, cut-off times, and funding with banks or partners.
• Deep understanding of PayFac funding, settlement, and reconciliation processes, with knowledge of ledger systems, adjustments, transaction validation, and reporting.
• Strong knowledge of professional software engineering practices & best practices for the full software development lifecycle, including coding standards, code reviews, source control management, build processes, testing, and operations
• Bachelor’s degree in computer science, a related technical field, or equivalent practical experience
• Excellent problem-solving skills.
• Fluent in both verbal and written English communication

Nice to Have:

• Familiarity with messaging systems (Kafka, SQS, SNS) and observability tooling.
• Exposure to AI/ML for data validation
• Understanding of ACH exception management workflows, including returns, NOC (Notice of Change), dispute handling automation, and reversal processes.
• Preferred AWS certifications, such as AWS Certified Solutions Architect or AWS Certified Developer.

Job Type: Full-time, Hybrid

Compensation: $160k - $180k annually

We’re an equal opportunity employer (EOE) that empowers our people. It is the policy of ELEVI to provide equal employment opportunities to all employees and employment applicants—without regard to unlawful considerations of race, religion, color, national origin, sex, sexual orientation, gender identity or expression, age, sensory, physical or mental disability, marital status, veteran or military status, genetic information, or any other classification protected by applicable local, state, or federal laws. We fearlessly drive change, because without diversity of thought and a commitment to equality for all, there is no moving forward. Reasonable accommodations are available for qualified individuals with disabilities, upon request. This policy applies to all aspects of employment, including, but not limited to, hiring, job assignment, compensation, promotion, benefits, training, discipline, and termination.