ACH Integration Engineer

About the role

The ACH Integration Engineer is responsible for designing, implementing, and maintaining secure, reliable, and scalable ACH payment capabilities that power the company's ecommerce mobile application and connected POS systems. This role combines deep knowledge of ACH processing, NACHA rules, and financial systems with strong engineering skills to ensure seamless money movement, high system uptime, and exceptional end-user payment experiences.

You will collaborate with product, engineering, security, compliance, and external banking partners to build and optimize ACH flows including onboarding, verification, debits/credits, returns, reversals, ACH prenotes, and settlement windows.

What you will do:

1. ACH Integration & Development

• Build and integrate ACH payment pipelines between the ecommerce mobile app, POS system, and external banking/ACH gateways.
• Implement secure bank account capture, tokenization, micro-deposit verification, and real-time account validation (e.g., Plaid or equivalent).
• Develop APIs, webhooks, and backend services supporting ACH debit/credit initiation, authorization, and settlement.
• Ensure ACH message formatting, file creation, and transmission meet NACHA operating rules.

2. Payment Systems Architecture

• Design scalable ACH batch processing and same-day ACH flows.
• Implement resiliency patterns: retries, replay protection, idempotency, and failure recovery.
• Support multi-tenant environments (mobile app + POS) with tenant-level data isolation and configurable ACH workflows.

3. Compliance, Risk & Security

• Ensure full compliance with NACHA rules, OFAC checks, and bank/KYC requirements.
• Implement safeguards against returns, unauthorized debits, and fraud scenarios (e.g., R01–R10 return codes).
• Manage secure transmission protocols (SFTP, API-based) and encryption of sensitive financial data.
• Partner with InfoSec and Compliance teams to ensure secure ACH handling end-to-end.

4. Operational Support

• Monitor ACH batch processing, settlement timeframes, and exception handling.
• Implement tooling and dashboards for ACH lifecycle events, failures, and reconciliation.
• Troubleshoot payment issues across mobile, ecommerce, POS, and backend systems.
• Support incident response for banking-related outages or credential rotations.

5. Collaboration & Bank Partner Integration

• Serve as technical point of contact for banking partners, processors, and ACH gateways.
• Drive integration projects with external vendors and financial institutions.
• Work closely with Product Management to support new payment features and roadmap items.
• Collaborate with QA to ensure accurate test cases for ACH flows (e.g., returns, prenotes, cutoffs).

What you bring:

• 3–7+ years of experience integrating ACH payments or banking systems.
• Strong understanding of NACHA rules, return codes, ACH file formats (PPD, CCD), and settlement cycles.
• Experience with payment gateways, processors, or banking APIs (e.g., Plaid, MX, Dwolla, Stripe ACH, or bank direct integrations).
• Proficiency in backend engineering with languages such as Java, C#, , Python, or Go.
• Experience with REST APIs, webhook architectures, and event-driven systems (Kafka a plus).
• Hands-on experience with relational databases (PostgreSQL, MySQL, SQL Server).
• Knowledge of SFTP integrations, OAuth2, and secure credential management.
• Experience integrating payments into ecommerce, mobile apps, or POS systems.

Nice if you have:

• Experience with POS systems, retail transaction flows, or omnichannel commerce.
• Background in financial compliance, AML, KYC, or risk scoring.
• Exposure to payment analytics, reconciliation automation, or settlement dashboards.
• Familiarity with cloud platforms (AWS, Azure, or GCP) and CI/CD workflows.
• Experience with microservices and containerized deployments (Docker/Kubernetes).

Equal Opportunity Employer:

AspenView is proud to be an equal opportunity employer. We believe in creating an environment where all employees feel welcome, valued, and empowered to succeed. We celebrate diversity and strive to build a culture of inclusion where all individuals, regardless of their race, color, gender, gender identity or expression, sexual orientation, disability, age, or any other characteristic, can thrive. We encourage applicants from all walks of life to join our team and make a lasting impact.