Senior Associate, Payment Developer in Toronto

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.

Knowledge, Skills, and Abilities:

• Experience with messaging systems such as Kafka or RabbitMQ.
• Familiarity with cloud platforms (AWS, Azure, or GCP) or CI/CD pipelines.
• Exposure to containerization tools such as Docker or Kubernetes.
• Experience with monitoring and observability tools (e.g., logging frameworks, application metrics).
• Familiarity with financial services concepts, compliance requirements, or regulated-environment development.
• Experience working with existing payment networks (FedWire, FedACH, FedNow, TCH RTP, etc.).
• Experience with ISO 20022 payment messages (PAIN.001, PACS.008, PACS.004, etc.).

Education, Training, and Experience:

• Bachelor’s degree in Computer Science, Information Technology, or a related field (or equivalent practical experience).
• 5+ years of professional software development experience in Java and Spring Boot/Framework.
• Familiarity with RESTful API design and basic integration patterns.
• Experience with relational databases (e.g., Postgres, Oracle, or MySQL) and basic query writing.
• Basic understanding of security fundamentals such as authentication and authorization (e.g., OAuth2/OIDC).
• Strong problem-solving skills, attention to detail, and ability to communicate effectively in cross-functional teams.
• Experience working with Git-based workflows (GitHub, GitLab, or Bitbucket).
• Willingness to learn new languages, technologies, and financial domain concepts.

English is required for this role as the successful candidate will regularly communicate with colleagues, clients, and business partners located across Canada and internationally.