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Freelance Fintech Software Engineer Jobs in Three Rivers, MI

IT Project Manager

Three Rivers, MI

$90K - $107K/yr

Our robust suite of fintech software enables us to support clients such as Stash, Betterment, SoFi ... Background supporting product/engineering teams in a fast-paced environment * Familiarity with ...

... 66th on FinTech 100 * 35th among top private companies in New Jersey Collabera recognizes true ... Software Developer Location: Portage, MI Duration: 12 month (may extend) Manager's Note: We are ...

Freelance Fintech Software Engineer information

See Three Rivers, MI salary details

$13

$43

$121

How much do freelance fintech software engineer jobs pay per hour?

As of Aug 25, 2026, the average hourly pay for freelance fintech software engineer in Three Rivers, MI is $44.00, according to ZipRecruiter salary data. Most workers in this role earn between $22.40 and $56.97 per hour, depending on experience, location, and employer.

What is a freelance fintech software engineer?

Freelance Fintech Software Engineers are independent professionals who specialize in developing, maintaining, and improving software solutions for the financial technology (fintech) industry. They work on a contract or project basis with clients such as banks, startups, or payment companies, building secure, scalable applications like payment gateways, trading platforms, or digital wallets. Their responsibilities often include coding, testing, integrating APIs, and ensuring compliance with financial regulations. Freelance fintech engineers must stay updated with industry trends, security practices, and evolving technologies to meet the unique needs of financial clients.

How do freelance fintech software engineers typically collaborate with clients and cross-functional teams?

Freelance Fintech Software Engineers often work remotely, but strong collaboration is still essential. They usually communicate with clients, product managers, and designers through regular video meetings, project management tools, and messaging platforms to clarify requirements and provide updates. It’s common to participate in code reviews, agile sprints, and documentation processes to ensure seamless integration with existing systems and compliance with financial regulations. Clear communication and proactive feedback help maintain trust and deliver high-quality solutions, even when working independently.

What are the key skills and qualifications needed to thrive as a freelance fintech software engineer, and why are they important?

A Freelance Fintech Software Engineer must have strong programming skills (such as Python, Java, or C#), a solid understanding of financial systems, and experience with secure software development, typically supported by a degree in computer science or a related field. Familiarity with fintech-specific tools and frameworks (like blockchain platforms, payment APIs, or cloud platforms such as AWS), as well as relevant certifications (e.g., AWS Certified Developer or Certified FinTech Professional), is often required. Outstanding problem-solving abilities, communication skills, and the ability to manage projects independently set top freelancers apart. These competencies are crucial for delivering robust, secure, and innovative solutions in the rapidly evolving fintech sector.

What is the difference between Freelance Fintech Software Engineer vs Fintech Software Developer?

AspectFreelance Fintech Software EngineerFintech Software Developer
CredentialsTypically requires relevant coding skills, experience, and sometimes certifications in finance or software developmentUsually holds a degree in computer science, software engineering, or related fields; certifications are common but not mandatory
Work EnvironmentIndependent, project-based, often remote or freelance contractsEmployed by a company or fintech firm, working in office or remote teams
Employer & Industry UsageServes multiple clients across fintech projects, flexible engagementsWorks within a fintech company or startup, focused on product development

While both roles involve software development in fintech, a Freelance Fintech Software Engineer works independently on various projects, whereas a Fintech Software Developer is typically employed by a company to develop specific products or services.

How to get into fintech as a freelance fintech software engineer?

To become a freelance fintech software engineer, develop strong programming skills in languages like Python, Java, or C++, and gain experience with financial APIs, blockchain, or payment systems. Building a portfolio of relevant projects and obtaining certifications such as CFA or financial technology courses can enhance credibility. Networking through industry events and online platforms like LinkedIn or freelance marketplaces helps secure clients and projects.
Infographic showing various Freelance Fintech Software Engineer job openings in Three Rivers, MI as of August 2026, with employment types broken down into 1% As Needed, 83% Full Time, 12% Part Time, 1% Temporary, and 3% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $91,517 per year, or $44 per hour.

$107K - $107K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 12 days ago


Job description

WHO WE ARE

Apex Fintech Solutions (Apex) powers innovation and the future of digital wealth management by building tech-forward solutions that help simplify, automate, and facilitate access to financial markets for all. Our robust suite of fintech software enables us to support clients such as Stash, Betterment, SoFi, Webull, and eToro, amongst many others; collectively, Apex powers access to the stock market for over 22+ million end customers.

At Apex, we are changing how the securities industry operates by reinventing the status quo, which was manual, slow, and accessible only by the ultra-wealthy. We're digitizing and democratizing systems so that everyone has an opportunity to invest.

When you're at Apex, you drive this change. You're part of a global team with a clear vision: to be the trusted technology that powers the digital economy. Our offices in Austin, Dallas, Chicago, New York, Portland, Belfast, and Manila are home to over 1,000 employees.

Together, we're shaping the future of financial innovation. Embrace change. Solve big. Win together. And be G.R.E.A.T. - grit, results, empathy, accountability, and teamwork - with Apex.

We're proud to be recognized for the innovative work we do, the purpose-driven nature of our work, and the collaborative culture we've created. Here are just a few of the many awards we've recently received:

Best Places to Work

2026, 2025, 2024, 2023- Presented by BuiltIn

WealthTech of the Year

2025- Presented by US FinTech Awards

The World's Top 250 Fintech Companies

2024- Presented by CNBC

ABOUT THIS ROLE

The Senior Program Manager will be responsible for the oversight and coordination of large-scale programs that align with the organization's strategic objectives. This role involves managing project portfolios and ensuring the successful delivery of program outcomes. The ideal candidate will have expert knowledge of project and program management principles, methodologies, and tools.

This role requires a high level of strategic planning, stakeholder engagement, and technical partnership with engineering teams.

Duties/Responsibilities

  • Develop program strategies that effectively align with the company's business goals.
  • Design and implement long-term goals for project performance, independently validating scope and requirements across multiple concurrent initiatives - surfacing gaps before they become execution risks.
  • Coach and mentor other program managers on executive communication, portfolio-level forecasting, and complex stakeholder navigation.
  • Act as the primary contact for program stakeholders - including Legal, Compliance, Vendor Management, and Sales - often coordinating several of these groups simultaneously on the same timeline, and maintaining strong relationships across all of them.
  • Facilitate stakeholder meetings and deliver portfolio-level forecast synthesis and detailed reports on program status to executive leadership and external partners.
  • Manage program budgets and ensure financial accountability by tracking expenses and forecasting budget requirements for project sustainability.
  • Perform cost-benefit analysis on programs, including risk assessment for resource allocation, and identify risk patterns that span multiple initiatives before they compound.
  • Ensure program outputs meet quality standards agreed upon in the planning phase, partnering closely with engineering and architecture on key technical trade-offs.
  • Streamline and implement continuous improvement practices, building reusable processes and frameworks that other program managers can adopt.

Education and/or Experience

  • Bachelor's degree in Business Administration, Software Engineering, Project Management, or a related field; advanced degree preferred.
  • 7+ years of experience in program management, preferably in a related industry.
  • Experience in strategic planning and business analysis.
  • Proven track record of managing multiple large-scale projects or programs concurrently.

Required Skills/Abilities

  • Proficiency in project management software (e.g., MS Project, Asana, Basecamp).
  • Demonstrated technical fluency sufficient to engage credibly with engineering and architecture stakeholders on solution trade-offs.
  • Outstanding organizational abilities and sound judgment under ambiguity.
  • Excellent communication and interpersonal skills, capable of working effectively with cross-functional teams and executive audiences.

Work Environment

  • This job operates in an office environment 3 days per week.

#product management #full-time #mid-senior #LI-MJ1 #APEX

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Our Rewards

We offer a robust package of employee perks and benefits, including healthcare benefits (medical, dental and vision, EAP), competitive PTO, 401k match, parental leave, and HSA contribution match. We also provide our employees with a paid subscription to the Calm app and offer generous external learning and tuition reimbursement benefits. At AFS , we offer a hybrid work schedule for most roles that allows employees to have the flexibility of working from home and one of our primary offices.

Salary Range

$117,720-$147,150

The annual base salary range for this position is noted above. Exact compensation offered may vary depending on job-related knowledge, skills, experience, and office location.

EEO Statement

Apex Fintech Solutions is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics.

Disability Statement

Apex Fintech Solutions is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please submit your request via the Candidate Accommodation Requests Form. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process.