Sr. Associate, Payment Developer in Toronto, Ontario at North America Fintech Labs Ltd

JOB SUMMARY:

We are seeking a motivated Sr. Associate, Payments Developer (5 or more years of experience) to contribute to the development of our Payments (Wires, ACH, TCH RTP, FedNow, etc.) platforms. This role is well-suited for an engineer with a solid foundation in Java and Spring Framework backend development who is eager to grow in a regulated financial environment.

Responsibilities:

• Design, develop, and maintain backend services for payments using Java and Spring Framework.
• Build and enhance payment capabilities with a strong focus on reliability, security, and regulatory compliance.
• Develop payment processing systems in line with industry standards (e.g., ISO 20022) and network rules (The Clearing House, Federal Reserve, Zelle, etc.).
• Partner with Product, Operations, Compliance, and QA teams to understand requirements and deliver quality solutions.
• Support secure and efficient transaction processing, including audit trails and basic fraud controls.
• Participate in integrations with third-party partners, core banking networks, and internal APIs under the guidance of senior engineers.
• Participate in code reviews, write automated tests (unit and integration), and contribute to debugging and performance improvements.
• Collaborate with DevOps and Production Support to improve monitoring, alerting, and incident response.
• Apply secure coding practices, including authentication/authorization fundamentals and auditability for regulated workloads.
• Write clear technical documentation and contribute to operational runbooks.
• Stay current with fintech standards, Java/Spring Framework ecosystem advancements, and emerging tools that improve system reliability and developer productivity.