Online card payment fraud will top US$10bil in 2024, exploding with the growth of eCommerce during the pandemic, and remains the #1 most-worried crime in the US. We are looking for an experienced Payments Rails Engineer with broad hands-on experience in working with major banks, networks and rails; as well as upcoming technologies, such as FedNow and CBDC.
The ideal candidates will have a strong software background, coupled with expert knowledge in payment transaction management and data security principles.
This role requires a deep understanding of API’s at various Payments Service Providers, a passion for data security, and the ability to create robust, scalable, and secure payments applications. And navigate the product and deliverables through security & privacy compliance processes.
CardWare has invested over a decade of experience and technology into solving valuable problems, and we’re scaling rapidly. Join us in delivering a better experience, and delighting customers “everywhere they want to be”.
- Integrate payment/processing options into our Card+ products, including KYC onboarding new issuer payment / cards, account information, bank-to-bank, account-to-account systems.
- Develop secure backend systems to support payments functionality and future growth.
- Ensure data security of user’s private info, financial institutions, and transactional traffic, through best practices in data security, penetration analysis and infrastructure management.
- Write comprehensive tests for infrastructure and APIs to maintain high-quality code and secure environments.
- Create, document and manage an SDK, of private and public APIs, for internal and external customer use.
- Collaborate with front-end developers to integrate user-facing elements with account and transaction side server logic.
- Proactively identify immediate and potential issues, work with the team to prioritize and resolve. Provide technical analysis, streamlined and simplified proposals as needed.
- Working fluency in common programming languages such as C/C++, Java, TypeScript. As well as experience with frameworks such as React, Node,js, Spring Boot.
- Deep understanding of data security principles, cryptographic processes, and practices.
- Advanced knowledge of the US Credit/Debit payment rails, and the API’s of Payment Gateways
- Experience with basic EMV payment protocols, and standards including EMV, ISO7816 and ISO14443
- Experience in security layers & standards : JSON, X.509, SHA-3, FIPS … etc
- Experience with Tokenization API’s for example from Chase, FIS, Visa, Mastercard, Discover, Amex … etc
- Experience in common payment security, privacy and compliance processes (such as KYC, CPOC, PCI DSS, FIDO)
- Working knowledge of Issuance API’s for example from Bancorp, GreenDot, CPI … etc
- Ability to write tests for infrastructure, from application to APIs to payment rails
- Working knowledge of on-prem and cloud servers, including containerization and deploying, on cloud service providers
- Experience with ledger technologies
- Excellent communication and collaboration skills.
- Strong problem-solving skills and the ability to work independently or as part of a team.
- At least 5 years of software engineering experience.
- Proven track record of developing secure, scalable, and efficient server/web applications.
- Experience in payment systems integration, for example with Stripe, PayPal, Square, is a positive
- Bachelor's degree or equivalent experience in Computer Science, Information Technology, Data Security, or a related field is preferred.
- Competitive compensation, and benefits package
- Corporate 401K plan, including contribution matching
- Full Medical, Dental, and Optical insurance coverage
- Relocation package may be offered to those exceptional candidates excited to discover why Austin is one of the best and most affordable US High-Tech cities, to live and work, and became the hub of Silicon Hills