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Freelance Fintech Software Engineer Jobs (NOW HIRING)

Apex Fintech Solutions

Sr SDET

Austin, TX · On-site

$49.50 - $64/hr

WHO WE ARE Apex Fintech Solutions (Apex) powers innovation and the future of digital wealth ... Bachelor's degree in Computer Science, Software Engineering, or a related field (or equivalent work ...

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Freelance Fintech Software Engineer information

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

As of Jun 8, 2026, the average hourly pay for freelance fintech software engineer in the United States is $47.71, according to ZipRecruiter salary data. Most workers in this role earn between $24.28 and $61.78 per hour, depending on experience, location, and employer.

What are Freelance Fintech Software Engineers?

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.

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 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.
More about Freelance Fintech Software Engineer jobs
What cities are hiring for Freelance Fintech Software Engineer jobs? Cities with the most Freelance Fintech Software Engineer job openings:
What are the most commonly searched types of Fintech Software Engineer jobs? The most popular types of Fintech Software Engineer jobs are:
What states have the most Freelance Fintech Software Engineer jobs? States with the most job openings for Freelance Fintech Software Engineer jobs include:
What job categories do people searching Freelance Fintech Software Engineer jobs look for? The top searched job categories for Freelance Fintech Software Engineer jobs are:
Freelance Fintech Software Engineer jobs near you
Infographic showing various Freelance Fintech Software Engineer job openings in the United States as of May 2026, with employment types broken down into 83% Full Time, and 17% Nights. Highlights an 72% Physical, 2% Hybrid, and 26% Remote job distribution, with an average salary of $99,230 per year, or $47.7 per hour.
Sr SDET

Sr SDET

Apex Fintech Solutions

Austin, TX • On-site

$49.50 - $64/hr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 21 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
We are seeking a dynamic and driven Sr SDET (Software Development Engineer in Test) who is passionate about leveraging software engineering skills to drive software quality to ensure the delivery of exceptional products. This role is perfect for those who enjoy solving complex problems, working across multiple domains, tackling new features, and who are eager to drive improvements in E2E testing and Performance/Scalability testing practices across an entire organization.
Duties/Responsibilities
  • Proactively work with product teams and engineers to flesh out high level testing requirements for new features.
  • Perform exploratory, automated E2E regression, and performance testing to validate production readiness of the Ascend platform across multiple environments.
  • Design, develop, and maintain automated test frameworks and reusable testing components in Java, building modular and maintainable code using recognized design patterns.
  • Design, develop, and maintain performance test tooling using JMeter and custom data generation frameworks to validate system scalability and reliability under load.
  • Research industry best practices and incorporate them into test design, consistently extending and building on top of existing components while leaving code in better shape than found.
  • Collaborate with software development teams to enhance functional, and non-functional testing protocols and practices. Advocate for quality and build stakeholder buy-in through continuous education and engagement.
  • Drive quality within the team and across the organization by ensuring high test coverage and effective reporting of test results for End-to-End business flows.

Education and/or Experience
  • Bachelor's degree in Computer Science, Software Engineering, or a related field (or equivalent work experience) required
  • 4-8 years of experience in software testing including both manual and automated testing practices with strong emphasis on test automation framework development
  • Strong Java development background building production-quality frameworks, services, or applications with demonstrated ability to write modular, maintainable code using recognized design patterns
  • Experience building testing infrastructure for cloud-based microservices, knowledge of Kubernetes, Docker, REST/gRPC API automation, and GCP preferred
  • Prior experience in the financial services industry, with understanding of trading systems, account structures, settlement processes, and regulatory/compliance requirements a plus

Required Skills/Abilities
  • Deep understanding of software development and quality assurance techniques, as well as test design best practices
  • Extensive experience in developing test plans and generating test reports
  • Proficiency in Java with strong object-oriented design skills, design patterns, and experience with modern testing frameworks (JUnit, TestNG)
  • Significant experience with REST API automation using frameworks like REST-Assured and standard tools such as Postman
  • Experience building performance and load test tooling using JMeter, JMX, or similar frameworks
  • Experience with event-driven systems using tools like PubSub, Kafka, RabbitMQ, or similar for asynchronous testing and verification patterns
  • Familiarity with cloud platforms (GCP, AWS, or Azure), containerization (Docker/Kubernetes), CI/CD pipelines, and infrastructure automation
  • Strong understanding of Agile methodologies with experience integrating automated tests into CI/CD pipelines
  • Ability to conduct thorough risk assessments and work with stakeholders and engineers to create effective test plans and preemptively identify potential issues
  • Ability to research industry best practices and incorporate them into test design, consistently building on existing components
  • Strong communication skills with proven ability to collaborate effectively with feature engineers, product managers, design teams, and business stakeholders across the organization
  • Excellent problem-solving skills with capacity to facilitate technical discussions and drive them to actionable decisions
  • Ability to mentor junior SDETs alongside staff SDETs

#engineering #mid-senior #full-time #LI-SD1 #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.
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.

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