Description:
We are seeking a highly skilled Software Engineer with extensive experience in ACI Postilion Realtime SDK, payment network integrations, and transaction switching. The ideal candidate will be responsible for designing, developing, and supporting high-volume payment processing solutions that integrate with card networks, EFT networks, core banking systems, and third-party payment services.
This role requires strong expertise in electronic payments, ISO 8583 messaging, transaction routing, authorization processing, network connectivity, and end-to-end payment transaction lifecycle management.
Key Responsibilities
Postilion Development
- Design, develop, and maintain custom applications using Postilion Realtime SDK.
- Develop new nodes using Rest API, routing logic, and authorization modules within the Postilion platform.
- Customize and support Postilion transaction workflows to meet business and network requirements.
- Develop interfaces between Postilion and external systems, including issuer hosts, fraud systems, and payment gateways.
- Participate in system enhancements, upgrades, and migrations.
Payment Network Integration
- Design and implement integrations with payment networks, including:
- Visa
- Mastercard
- Pulse
- NYCE
- STAR
- Support network certifications and transaction testing activities.
- Implement and troubleshoot network management messages and routing configurations.
- Analyze network specifications and translate them into technical solutions.
Transaction Processing & Switching
- Configure and support ATM, POS, debit card, credit card, and digital payment transaction processing.
- Design and maintain authorization, stand-in processing, routing, settlement, and reconciliation functions.
- Investigate and resolve transaction failures and network communication issues.
- Optimize transaction performance and throughput for high-volume payment environments.
ISO 8583 & Messaging
- Develop and troubleshoot ISO 8583 message parsing, transformation, and routing.
- Map transaction messages between payment networks and internal systems.
- Analyze message logs and perform transaction-level troubleshooting.
- Support custom message formats and network-specific extensions.
Production Support
- Monitor production transaction flows and switch performance.
- Provide Level 2/Level 3 support for payment processing applications.
- Conduct root cause analysis and implement corrective actions for incidents.
- Participate in on-call support rotations and critical production deployments.
- Ensure system uptime, resilience, and regulatory compliance.
Security & Compliance
- Support PCI DSS compliance initiatives.
- Implement secure transaction processing practices.
- Work with HSM integrations for PIN and key management.
- Ensure adherence to payment industry security standards.
Experience
Required Qualifications
- 5+ years of software development experience.
- 5+ years of hands-on experience with ACI Postilion.
- Strong experience developing solutions using Postilion Realtime SDK.
- Experience supporting production payment switching environments.
- Proven experience integrating payment networks and third-party processors.
Technical Skills
Strong understanding of ISO 8583 transaction messaging.
Experience With
- ATM transaction processing
- POS transaction processing
- Debit and credit card payment systems
- Authorization and settlement flows
- Programming experience in Java.
- Proficiency with SQL and relational databases.
- Strong TCP/IP networking knowledge.
- Experience with REST APIs, Web Services, and socket-based integrations.
- Familiarity with Windows and Linux server administration.
Network & Payments Expertise
- Experience integrating with Visa, Mastercard, Pulse, NYCE, STAR, or similar networks.
- Knowledge of acquiring and issuing transaction flows.
- Understanding of network certification processes.
- Experience troubleshooting network connectivity and transaction routing issues.
- Familiarity with payment settlement and reconciliation processes.
Preferred Qualifications
- Experience with Postilion Office, Postilion Portal, Postilion Office Recon product.
- Experience with HSMs such as Atalla AKB, Thales, or Entrust.
- Knowledge of EMV, contactless, tokenization, and digital wallets.
- Knowledge of Visa, Mastercard SMS, or similar payment processing platforms.
- Experience working in Agile/Scrum environments.
Desired Skills
- Strong analytical and troubleshooting capabilities.
- Excellent verbal and written communication skills.
- Ability to work effectively in mission-critical production environments.
- Strong understanding of payment ecosystems and transaction processing.
- Ability to mentor junior engineers and lead technical initiatives.
- Self-motivated with a strong focus on quality and operational excellence.