Freelance Fintech Software Engineer Jobs in Utah

Celtic Bank is seeking a talented Software Development Engineer in Test (SDET) QA Engineer to help build secure, reliable, and scalable banking technology. As a Software Development Engineer in Test (SDET) QA Engineer, you will design and maintain automated testing frameworks, validate cloud-native applications, and ensure the quality of critical banking systems and third-party integrations. You'll collaborate closely with software engineers, product teams, and business partners to deliver exceptional customer experiences while maintaining the highest standards of performance, security, and reliability.

The ideal Software Development Engineer in Test (SDET) QA Engineer is passionate about automation, quality engineering, and continuous improvement. If you enjoy solving complex technical challenges, influencing engineering best practices, and working with modern cloud technologies in a collaborative fintech environment, we encourage you to apply.

Work Schedule: Hybrid - In-office Tuesdays and Thursdays.

• Design, build, and maintain automated test frameworks for scalable cloud-native distributed backend systems. 
• Partner with engineering teams and business stakeholders to turn user needs into clear test strategies and quality standards. 
• Build and maintain reliable automated test coverage for third-party API and platform integrations. 
• Build and maintain reliable load testing scenarios and pipelines for large and complex distributed systems. 
• Evaluate testing approaches and trade-offs, providing technical guidance aligned with business goals and risk tolerance. 
• Deliver accurate test estimates and communicate quality status and risk effectively. 
• Support production systems through monitoring, regression testing, and operational quality improvements. 
• Investigate, isolate, and document defects within large-scale distributed systems. 
• Create and maintain comprehensive test plans, test cases, and QA documentation. 
• Improve test tooling, CI/CD pipelines, and automated build/release quality gates. 
• Mentor engineers on quality practices and foster a culture of learning, feedback, and craftsmanship. 
• Stay current with emerging QA tools, testing methodologies, and engineering best practices. 
• Leverage AI tools and technologies to enhance test automation workflows and productivity. 

Requirements

• Bachelor's degree in Computer Science or equivalent practical experience 
• 4+ years of professional QA/SDET engineering experience, including automated testing on cloud platforms (Microsoft Azure preferred) 
• Prior experience testing systems within financial services, banking, or fintech environments 
• Proficient in at least one programming or scripting language commonly used for test automation (e.g. JavaScript/TypeScript, Python, C#), with the ability to build and maintain frameworks from scratch 
• Strong experience with API test automation tools (e.g., Playwright, Postman/Newman, RestAssured) and CI/CD-integrated test frameworks 
• Expert-level understanding of:  
• Integration and unit testing
• API design and contracts 
• Testing API security - including authentication and authorization, input validation, and data exposure 
• Relational and non-relational databases - including SQL for data validation 
• Test strategy for performance, scalability, and reliability 
• Exceptional communication and collaboration skills with strong analytical thinking and problem-solving capabilities 
• Demonstrated ownership mindset and ability to work effectively in ambiguous environments 
• Excellent time management and professional work ethic 

Benefits

• Medical, dental, vision

• 401(k) with employer match
• Life and long-term disability coverage
• HSA and FSA plans
• Holidays and paid time off requests
• Robust wellness program (we're talking catered meals three times a week, lunch and learns, and onsite gym!)

Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2025! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans.

Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws.

Physical and Other Requirements

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

• Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects.
• Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc.
• Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English.
• Work Model: The employee in this position will work either a fully Onsite or Hybrid work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions.
• Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office - department and job requirements will determine eligibility.