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About the Role

We are seeking a hands-on Staff Software Engineer to take ownership of our core card authorization platform. This high-throughput, low-latency platform processes real-time debit and prepaid transactions over ISO 8583 for major networks including Visa, Mastercard, Pulse, and Fiserv. Because every request operates under strict latency budgets, high availability, and PCI DSS compliance, every millisecond counts—and every failure carries direct financial impact. In this role, you will lead a team of talented engineers, drive the architectural evolution of our network connectivity and authorization services, and continue to write production-grade code. You will serve as the primary technical point of contact for platform upgrades, network certifications, and production incident management.

Responsibilities

Lead, mentor, and grow a team of 5–8 software engineers.
Set coding standards, conduct architectural design reviews, perform code reviews, and foster technical excellence.
Serve as the technical owner and primary point of contact for production health, network certifications, and platform upgrades.
Design, build, and maintain high-throughput, low-latency Java/Spring Boot microservices covering authorizations, financial transactions, advices, reversals, and stand-in processing.
Manage long-lived client/server TCP connections to card networks, ensuring robust handling of sign-on/sign-off, echo tests, request/response matching, and automatic failovers.
Architect distributed transaction boundaries ensuring data consistency across Oracle, Kafka, JMS, and downstream services through idempotency, compensation/saga patterns, and reversal handling.
Implement resilient concurrency models: tune thread pools and executors, control backpressure, execute row-level/distributed locking, and eliminate race conditions on balances and card states.
Build fault-tolerant systems using resilience patterns (circuit breakers, bulkheads, time limiters, retries, and graceful degradation).
Drive platform modernization initiatives, including Spring Boot 2.7 → 3.5 / Jakarta EE migration, removing legacy RMI/JMX remoting, and containerizing microservices for Kubernetes deployment.
Collaborate with Security and HSM teams to integrate EMV cryptogram processing (ARQC), CVV/dCVV/CVC3 validation, and HSM key management.
Maintain strict PCI DSS compliance across all services (PAN masking, sensitive authentication data protection, secure logging, and secrets management).
Define SLIs/SLOs and create comprehensive dashboards and alerts using Dynatrace and Splunk.
Lead incident response efforts, drive root-cause analysis (RCA), and implement permanent remediations.
Partner with Product, Network/Scheme partners, QA, and Operations to navigate card network mandates, network certifications, and release schedules.

Requirements

10–15 years of software engineering experience, including 3+ years leading engineering teams or driving technical architecture.
Expert-level proficiency in Java (11/17+), deep understanding of java.util.concurrent, JVM internals, garbage collection tuning, and memory analysis.
Extensively hands-on with Spring Boot and Spring Cloud microservices (Config, OpenFeign, Actuator, Security).
Proven expertise in transaction management trade-offs (2PC/XA vs. Saga pattern, outbox pattern, idempotent consumers/producers, and delivery semantics).
Deep relational database skills (Oracle preferred), including JDBC transaction isolation, SELECT ... FOR UPDATE, deadlock analysis, and SQL query tuning.
Real-world experience with event-driven architectures using Apache Kafka (Avro, Schema Registry) and/or JMS (ActiveMQ).
Hands-on experience implementing resilience frameworks (Resilience4j or similar) for high-availability systems running thousands of TPS.
Practical experience with CI/CD pipelines (GitLab CI/Jenkins), Gradle, static code/security analysis (SonarQube, SAST, Trivy), and test automation frameworks (JUnit 5, Mockito).
Exceptional verbal and written communication skills with a proven ability to translate complex technical trade-offs for engineers, product leads, and executive leadership.
Experience with jPOS Framework.
Hands-on experience with ISO 8583 Specifications.
Advanced usage of Dynatrace and Splunk.
In-depth familiarity with advanced concurrency concepts.
Understanding of Card Payments Domain.
Familiarity with Docker, Kubernetes, Helm, AWS (MSK, IAM), and business rules engines (Drools, Jess).
10–15 years of professional experience in designing, coding, developing, and scaling high-throughput, enterprise-grade Java/J2EE applications.
3+ years of hands-on experience in a technical lead or architectural capacity—driving system design, leading 5–8 engineers, and setting coding/quality standards.
Proven track record of architecting low-latency, mission-critical distributed systems operating under strict SLAs and high concurrency.

Skills

Java
Spring Boot
Spring Cloud
Microservices
TCP Connections
Distributed Transactions
Oracle
Kafka
JMS
Resilience Patterns
CI/CD
Gradle
SonarQube
SAST
Trivy
JUnit 5
Mockito
jPOS Framework
ISO 8583
Dynatrace
Splunk
Docker
Kubernetes
Helm
AWS
Drools
Jess
EMV
HSM

Location

Austin, Texas

Work Type

Full-time

Experience Level

Staff
10-15 years
3+ years leadership

Education Level

Bachelor’s or Master’s degree in Computer Science, Software Engineering, or a related technical discipline (or equivalent practical experience).

About the Company

Netspend Corporation is a global, vertically-integrated financial services and technology company dedicated to the delivery of innovative financial empowerment solutions to consumers worldwide.
Netspend's financial products and services span prepaid, debit, cross-border payments, and loyalty solutions for consumers and enterprise partners.
Netspend provides prepaid and debit account solutions that connect customers with secure, convenient access to global payment networks so they can manage their money and make everyday purchases.
With a nationwide U.S. retail network, customers can purchase and reload Netspend products at 130,000 reload points and over 100,000 distributing locations.
Since our founding in 1999 by industry pioneers, Netspend products have processed billions of dollars in transaction volume and served millions of customers worldwide.
The company is headquartered in Austin, Texas with employees worldwide.