Freelance Fintech Software Engineer Jobs (NOW HIRING)

Xformative Payment Systems is a late stage start up that was conceptualized and established to offer card based and payment product capabilities associated with healthcare and benefits. The business is entering its growth phase and will be expanding beyond its current markets. At XPS, every member of our small, agile team can drive and create impactful work. Our flexible and fully remote work setup allows you to balance your professional and personal life seamlessly while contributing to our exciting growth journey.

We are hiring a Fintech Software Engineer into our growing technical team. The Fintech Software Engineer is responsible for designing, developing, and delivering high-performance, scalable software solutions in the financial technology domain. The role focuses on building secure, reliable payment systems, integrating financial services, and enhancing the user experience through seamless APIs and backend infrastructure. The role also involves owning a subset of the platform and driving its development, maintenance and ongoing improvement.

POSITION DUTIES/RESPONSIBILITIES:

● Software Development: 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.

● API Design and Development: Design and build scalable, secure, and efficient APIs for customer-facing and internal financial services, with a focus on reliability, performance, and data security.

● Backend Engineering: Develop distributed backend systems with high-availability, fault tolerance, and security, using technologies like Node.js, TypeScript, and event-driven architecture.

● Collaboration & Agile Development: Work closely with cross-functional teams including product, design, and operations to deliver features, meet deadlines, and ensure smooth releases in an Agile environment.

● Monitoring and Support: Implement and maintain monitoring, logging, and alerting systems using AWS CloudWatch and other relevant tools. Monitor system performance and ensure optimal resource utilization.

● Incident Management and Resolution: Respond to system incidents, diagnose issues, and resolve them promptly. Perform post-mortem analyses of incidents to prevent future occurrences.

● System Integration: Design and implement integrations with third-party financial services and payment gateways (e.g., ACH, credit card processing, digital wallets)

● Code Quality and Testing: Ensure high-quality code through automated testing, peer reviews, and continuous integration practices. Champion coding standards and best practices across the team.

● Security and Compliance: Ensure systems comply with security policies and industry standards like PCI-DSS.

● Product Improvement: 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.

● Customer-Centric Solutions: 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.

● Additional Responsibilities: 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.

POSITIONAL COMPETENCIES:

● System Design and Architecture: Architect scalable and secure financial software systems with a focus on payments, API-driven services and AWS infrastructure..

● API Engineering: Design robust, secure, and high-performance APIs for internal and external use.

● Backend Engineering: Proficient in Node.js and TypeScript, with strong experience building distributed backend systems.

● Collaboration and Agile Practices: Participate in Agile development cycles, collaborating with teams to align on feature development and release timelines.

● Payment Systems and Fintech Expertise: Solid understanding of fintech ecosystems, including ACH, payment gateways, and real-time transaction processing.

● Self reliance: Ability to work independently with limited supervision in order to achieve goals.

QUALIFICATIONS (EDUCATION/CERTIFICATIONS/EXPERIENCE):

Education:

● Bachelor’s degree in Computer Science, Engineering, or a related field (or equivalent experience).

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.

Skills:

● 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).

CORPORATE CORE COMPETENCIES:

1. Drive Action & Results
   1. Take on new opportunities with enthusiasm
   2. Achieve results even in tough circumstances
   3. Take personal accountability for decisions and actions
2. Adapt to Change

1. Operate effectively when things are uncertain
2. Proactively acquire and evaluate information and adapt approach to match shifting demands/situations
3. Rebound from setbacks

1. Embrace Innovation
   1. Create new and better ways to approach challenges and develop solutions
   2. Learn through experimentation
   3. Encourage feedback and seek opportunities to work better/smarter/faster
   4. Show personal commitment and take action to continuously improve

1. Create Diversity & Foster Collaboration
   1. Actively bring, seek, engage, and honor diverse perspectives
   2. Identify and address barriers to inclusion to ensure equity and center belonging
   3. Work collaboratively and build partnerships to meet shared objectives
      
      PHYSICAL REQUIREMENTS:
      
      The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
      While this is primarily a sedentary role, the employee is regularly required to talk and hear. The employee is also required to sit, stand; walk; use hands to finger, handle or feel; and reach with hands and arms. Specific vision abilities required by this job include close vision, depth perception and the ability to adjust focus.
      The information contained in this communication is confidential and to be used
      by XPS employees and representatives for only its intended purpose.