Vantaca just achieved unicorn status with a $1.25B valuation, so it's safe to say we're past the "scrappy startup phase." We're not just building a successful company – we're building the category-defining platform that will transform how an entire industry operates. Here's the reality of our trajectory: - Growing 100% year-over-year - Our AI product (HOAi) went from $0 to millions in months - Backed by Cove Hill Partners and JMI Private Equity - 6M+ doors on our platform, displacing legacy systems We are a winning team that believes in working together to make big ideas happen. We are a collaborative and visionary group that holds ourselves accountable for our results. Our ability to be nurturing and agile allows us to adapt to change and support each other through any challenges that come our way. We are customer-centric, meaning that we put our customers' needs and preferences at the heart of our work. We are authentic game changers that are building something cool and people like it here. Overview We're seeking a Senior Software Engineer to own our accelerate payment products, building and maintaining the critical systems that handle money movement between Vantaca and our payment partners. This role requires someone who can architect resilient, secure, and compliant payment systems while navigating the complexities of ACH, credit card processing, wire transfers, and payment reconciliation. You'll work directly with payment processors, banking partners, and internal stakeholders to ensure accurate, timely payment processing that our customers depend on for their business operations. This position offers the opportunity to establish patterns and frameworks that will scale across our platform while mentoring other engineers on payment processing best practices. Accountability Key Initiatives - Design and maintain secure, PCI-compliant payment processing systems - Lead technical conversations with payment processor engineering teams (Stripe, payment gateways, ACH processors) - Establish patterns and frameworks for payment initiation, processing, and reconciliation - Drive initiatives to improve payment success rates, reduce failed transactions, and optimize retry logic - Implement comprehensive payment reconciliation systems to ensure transaction integrity - Provide support for payment-related escalations from tech support - Stay on top of current trends in payment technology and processing patterns, proposing innovative solutions to enhance our platform Expectations for Success - Quality code that follows established patterns and best practices - Zero payment processing errors resulting in incorrect fund movements - Payment success rate >98% (excluding legitimate declines) - Payment reconciliation discrepancies resolved within 24 hours - Proactive use of AI development tools (Cursor, Claude, Devin, etc.) to accelerate development and improve code quality - Enthusiasm for leveraging AI to move fast and work efficiently - Consistent velocity set by manager - Average return rate from QA should be 2 or less Responsibilities Payment Architecture & Development: - Architect, design, and develop robust, scalable, and secure payment processing systems supporting multiple payment methods (ACH, credit card, wire transfer) - Partner with payment processors and gateways to understand API capabilities, fee structures, settlement timelines, and roadmaps - Lead the end-to-end payment processing lifecycle from initiation through settlement and reconciliation - Implement comprehensive payment reconciliation systems that match transactions across multiple systems (gateway, bank, internal ledger) - Design fault-tolerant patterns for payment processing: - Idempotent payment operations to prevent duplicate charges - Retry logic with exponential backoff for transient failures - Compensation/reversal patterns for failed multi-step payment workflows - Dead letter queue handling for payment exceptions - Implement webhooks and event-driven architecture for payment status updates - Build monitoring and alerting systems for payment anomalies (sudden decline spikes, processing delays, settlement discrepancies) - Implement security best practices including PCI DSS compliance, tokenization, and secure credential management - Design and implement payment failure analysis and auto-retry strategies Payment Operations: - Complete development tasks on time with exceptional attention to quality, performance, and regulatory compliance - Collaborate within a scrum team environment, translating product manager requirements into technical payment solutions - Create detailed runbooks for payment processing incidents (stuck payments, reconciliation gaps, processor outages) - Collaborate with Finance/Accounting teams to: - Validate payment data accuracy and resolve discrepancies - Support month-end reconciliation processes - Investigate payment exceptions and chargebacks - Maintain audit trails for all payment operations to support compliance requirements - Conduct code reviews with emphasis on payment integrity and security - Mentor junior and mid-level developers on payment processing best practices - Troubleshoot payment issues across the full stack (UI → API → processor → bank) - Document payment workflows, processor integrations, and reconciliation processes in Guru - Assist with bi-weekly production deployments (occurs after hours) - Participate in technical support ticket bashes for payment-related issues - Keep Integrations Engineering Manager updated on payment processing metrics and barriers - Develop comprehensive unit and integration tests for payment flows - Contribute to code reviews and maintain high code quality standards Core Values - Always Growing: Likes change and enjoys finding new ways to improve their knowledge and the product. Always ready to learn quickly, helping themselves and the team grow. - Win as a Team: Builds trust and works together by making sure everyone communicates well. Actively involved in daily work, working closely with the team, listening to their ideas, and celebrating successes together. - Accountability Starts with Me: Notices problems and takes personal action to solve them. - Unwavering Commitment to Customer Experience: Regularly talks to customers, taking personal responsibility to understand what they need, address concerns, and make their experience better with improved Vantaca processes. - Innovate Boldly: We challenge the status quo and push boundaries to create meaningful change. We act with urgency and purpose, knowing that innovation drives our success. Requirements - 8+ years of software development experience with C#, .NET Framework, and .NET Core - Proven experience building and maintaining payment processing systems (not just adjacent experience) - Deep understanding of payment methods: ACH (same-day ACH, NACHA rules), credit card processing (authorization, capture, settlement), wire transfers - Experience with payment reconciliation: matching transactions across systems, handling settlement timing differences, resolving discrepancies - Strong understanding of payment failure handling, retry strategies, and idempotency patterns - Experience implementing PCI DSS compliance requirements - Advanced SQL knowledge including T-SQL, stored procedures, and query optimization - Experience with payment processor APIs (Stripe, Authorize.net, payment gateways) - Experience with secure credential management, tokenization, and encryption practices - Demonstrated ability to debug complex payment issues across multiple systems - Understanding of transactional consistency, compensation patterns, and exactly-once processing guarantees - Experience with CI/CD pipelines (Azure Pipelines preferred) and Infrastructure as Code (Terraform) - Strong problem-solving skills with high attention to detail (critical for financial accuracy) - Strong technical communication skills, both written and verbal Preferred - Experience with multiple payment processors and payment orchestration - Knowledge of payment industry standards (ISO 20022, NACHA file formats, card network specifications) - Experience with chargeback handling and dispute management - Familiarity with payment fraud detection patterns - Experience with SOC 2 compliance frameworks - Background in FinTech, PropTech, or SaaS companies handling payment processing - Understanding of accounting principles related to payment processing (revenue recognition, reconciliation) - Experience with webhook-based payment status updates - Azure cloud platform experience - Entity Framework, Dapper, or similar ORM/micro-ORM experience - Experience with message-based architectures for payment events (Azure Service Bus, queues, topics) - Experience with Agile/Scrum development methodologies - Experience with payment analytics and reporting systems Why You Should Join Our Team - Our eNPS is +68! (Google it, that is great). - Benefits: Medical, Dental, and Vision kick in day one. - Unlimited PTO (with a requirement for employees to take a minimum of one continuous week per year). - 401K with Company Match. - Remote Flexible - come to the office when needed. - Great parental leave benefits. - Named on Inc 5000 list of America’s Fastest Growing Private Companies. - Named on Inc 5000 Vet 100 Private Companies list multiple years in a row. - Winner of Coastal Entrepreneur Award, Technology Category. - Active employee-led Culture Committee. - Ongoing industry and professional development trainings available to all employees. - Multiple leaders on the executive committee recognized as 40 under 40 recipients for contributions to business and community. - We’re playing offense to win! Our product market fit and our world-class employees make us the leader in our space. We’re building something cool and people like it here. We receive many resumes for our open positions and each one is reviewed by a human being on our recruiting team. We will compare your background with the qualifications and requirements for the position. If you are selected for an interview you will receive an e-mail from someone on our recruiting team with an @vantaca.com email address. It may take some time for us to review all of the applications so give us some time to respond. We appreciate your interest in this role.