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About the Role

As a Software Engineer on the Payment Team, you will build and operate the services that carry a payment from the moment a customer's ERP submits it to the moment funds reach the beneficiary. You will report to the Engineering Manager – Payment Team and work alongside senior engineers and an architect on the two services at the heart of our money flow: Payment Request and Payment Execution. You will ship features end to end, help bring new banks and payment processors onto the platform, and share responsibility for production health with the rest of the team. It's a role for an engineer who wants to go deep on how money actually moves — and who cares that every payment is correct, traceable, and on time.

Responsibilities

Implement and evolve features across payment request and payment execution — validation rules, routing decisions, instruction planning, funding, dispatch, and status tracking — in Java and Spring Boot microservices.
Build and maintain adapters for banking partners and payment processors, including API- and webhook-based connectivity, rail-specific rules, sandbox certification, and feature-flagged production go-lives.
Write code that is idempotent, safe to redeliver, and auditable — enforced state-machine transitions, duplicate-submission guards, signed instructions, and full revision history.
Contribute to ledger postings and fund-state transitions (pending, clearing, settlement, return) and to the reconciliation that keeps our books matched against provider balances.
Help improve how failed and held payments are surfaced, explained, and resolved — clear error codes, operator actions such as reprocess, fail, and return, and internal tooling that lets Payment Operations act quickly.
Write clean, maintainable, well-tested code — unit, integration, and end-to-end — and contribute to design reviews and technical documentation.
Monitor service health and take part in incident response and root-cause analysis.
Work with Product, Payment Operations, Quality Engineering, and the Platform, SAP Integrations, and UX teams — as well as engineers at our banking and payment partners.

Requirements

3+ years in software engineering, with experience building and running backend systems and APIs in production.
Proficiency in Java and Spring Boot, RESTful API design, and relational databases (PostgreSQL or similar), including SQL and schema migrations.
Working knowledge of message-driven systems — publish/subscribe, queues, retries, dead-lettering — and of idempotency, consistency, and failure handling.
Hands-on experience with modern AI coding assistants (e.g., Claude Code, GitHub Copilot, or similar) and the ability to use them to improve engineering speed, quality, and impact.
Strong written and verbal communication skills and the ability to work effectively in a fast-paced, cross-functional, distributed team.

Skills

Java
Spring Boot
RESTful API design
Relational databases
SQL
Schema migrations
Message-driven systems
Publish/subscribe
Queues
Retries
Dead-lettering
Idempotency
Consistency
Failure handling
AI coding assistants
Claude Code
GitHub Copilot
Payments
Money movement
Payment lifecycles
Settlement
Returns
Exceptions
ACH
Wires
SWIFT
Real-time (RTP/FedNow)
SEPA
Faster Payments
ISO 20022 messages
pain.001
pain.002
camt.052/053
Apache Camel
Google Pub/Sub
Kafka
Rules engines
Decision tables
DMN/Drools
State-machine modeling
Double-entry ledgers
Fund reservation
Financial reconciliation
Secure API design
Handling of sensitive financial data
Sanctions/AML screening
SOC 2
Kubernetes
GCP
Observability tooling
CI/CD
Cross-border payments
FX
Multi-currency money movement
Digital-asset/stablecoin settlement
SAP ERP payment processes

Experience Level

3+ years

About the Company

Tereina is on a mission to revolutionize B2B payments.
We're a well-funded, early-stage startup supported by one of the largest software companies in the world, SAP.
We're building cutting-edge solutions that will transform the way businesses move money.
Our platform handles cross-border payment processing, counterparty management, bank account administration, and compliance workflows for enterprise customers worldwide.
The Payment Team owns how money moves through Tereina — from payment initiation and validation through routing, execution with our banking and payment partners, and status tracking all the way back to the customer.
We're a team of five engineers today and growing, and we already integrate with several payment processors across domestic, international, and real-time (RTP/FedNow) rails.
Our payment services are built on Java and Spring Boot microservices running on Kubernetes, with Google Pub/Sub messaging and Apache Camel integration pipelines at their core.

Equal Opportunity

As an equal opportunity employer, we're committed to diversity, inclusion, and creating an environment where everyone can thrive.