Software Developer - PayFac (NYC)

This position requires the successful candidate to work on a W2 directly with FDM. We cannot accept C2C, 1099 or employment sponsorship (e.g. H1-B) for this position.

FDM is a global business and technology consultancy delivering client and industry driven solutions through our 5 core specialist Practices; Software Engineering, Data & Analytics, IT Operations, Change & Transformation, and Risk, Regulation & Compliance.

FDM is seeking a software developer with PayFac experience located in New York, NY to support a project in the payment facilitator sector. Involvement in this project is anticipated to last initially 12 months but may be extended.

This role will be hybrid with requirements to be in office 3 days per week.

Qualifications:

• 5+ years of backend development experience in fintech, payments, or financial services.
• Strong expertise in Spring Boot (Java), SQL (complex queries, stored procedures, data modeling), and Python (AWS Lambda).
• Experience developing and integrating APIs and working with AWS services, particularly RDS for database management.
• Good understanding of ACH processing, including file generation, returns, cut-off times, and funding with banks or partners.
• Deep understanding of PayFac funding, settlement, and reconciliation processes, with knowledge of ledger systems, adjustments, transaction validation, and reporting.
• Strong knowledge of professional software engineering practices & best practices for the full software development lifecycle, including coding standards, code reviews, source control management, build processes, testing, and operations
• Bachelor’s degree in computer science, a related technical field, or equivalent practical experience
• Excellent problem-solving skills.
• Fluent in both verbal and written English communication

Nice to Have:

• Familiarity with messaging systems (Kafka, SQS, SNS) and observability tooling.
• Exposure to AI/ML for data validation
• Understanding of ACH exception management workflows, including returns, NOC (Notice of Change), dispute handling automation, and reversal processes.
• Preferred AWS certifications, such as AWS Certified Solutions Architect or AWS Certified Developer.

FDM is an award-winning global business and technology consultancy powering the people behind tech and innovation for over 30 years. We collaborate with world-leading companies to identify the expertise they need, exactly when they need it. We have helped successfully launch nearly 25,000 careers globally to date and are a trusted partner to over 300 companies worldwide. 

FDM has 4,000+ employees worldwide, with over 90 nationalities working together as a team. From our origins in Brighton, UK, FDM now has 19 centres located across North America, Europe and Asia-Pacific and is now on the FTSE4Good Index. 

Dedicated to Diversity, Equity and Inclusion
FDM Group’s mission is to make tech and business careers accessible for everyone. Our diverse team of 90+ nationalities thrive on differences, fuels innovation through varied experiences, and celebrates shared successes. As an Equal Opportunity Employer and listed on the FTSE4Good Index, FDM ensures every qualified applicant, regardless of race, colour, religion, sex, sexual orientation, national origin, age, disability or any other status protected by federal or provincial law, gets the chance they deserve.

FDM Group, Inc. is registered to operate and hire employees in select states within the US. We will consider employment applications exclusively from candidates who are either residing in one of the following states or willing to relocate to them: Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Massachusetts, Maryland, Maine, Minnesota, North Carolina, New Jersey, New York, Pennsylvania, Tennessee, Texas, Utah, and Virginia.