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# Software Engineer, Credit Card

- **Company:** Nilon Global LLC
- **Location:** Denver, CO, United States (Remote available)
- **Experience:** Experienced
- **Salary:** $140,000.0 - $190,000.0
- **Contract:** Permanent contract
- **Skills:** Java (Programming Language), Application Programming Interfaces (APIs), Artificial Intelligence, Amazon Web Services, Cloud Computing, Cloud Engineering, Software Quality, Data Security, Cursor, Distributed Systems, Node.Js, Office Suite, PCI Data Security Standards, Software Engineering, TypeScript, Web Platforms, Claude Code, Backend, Kubernetes, React Native, NestJS, Custom Reports, Golang, Microservices
- **Published:** October 1, 2026
- **Apply:** https://www.builtincolorado.com/job/software-engineer-credit-card/11445943?handler=ApplyRedirect

## About the Role

* 3+ years of professional experience in backend or distributed systems development
 * Experience building and operating production-grade APIs and microservices in a regulated or high-compliance environment (fintech, payments, banking, or similar)
 * Proficiency in Node.js or similar modern backend frameworks (TypeScript, NestJS, Go, or Java)
 * Familiarity with cloud-native architecture (Kubernetes, AWS) and event-driven or microservice-based systems
 * Strong understanding of data security, PCI compliance, or similar standards protecting sensitive financial data
 * Strong communication and collaboration skills across product, risk, and platform teams
 * Drive and proactivity - everyone here is a builder and executor

Tools We Use

We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. We also embrace AI-assisted development, so engineers have their choice of Claude Code or Cursor to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.

## Description

As a Backend Engineer on the Credit Card team at OnePay, your work will directly shape the infrastructure behind our co-branded credit card product, holding the same bar for trust, security, and reliability as the rest of our financial ecosystem. You will:

 * Design and build backend services that power our co-branded credit card product and its integrations with partner systems
 * Architect APIs and event-driven systems that handle sensitive financial data securely at scale
 * Partner with risk, compliance, and platform teams to ensure new features meet regulatory and security requirements
 * Own reliability and performance for systems processing real-time credit transactions
 * Drive technical decisions on system design, balancing scalability, security, and speed of delivery
 * Mentor other engineers and raise the bar on code quality, testing, and operational practices across the team, 21 Days Ago
Remote or Hybrid
Denver, CO, USA
Mid level
Mid level
Software
Build and improve credit card transaction systems and fraud controls. Investigate declined authorizations, failed transactions, stuck holds, and fraudulent activity. Own Sardine rules, queues, scoring, monitoring, alerting, and automated mitigation. Query transaction data, investigate fraud cases, identify root causes, and create rules to prevent recurrence. Develop internal tools, dashboards, and scripts while partnering with Product, CX, Compliance, and external card and fraud vendors.
Top Skills: Credit Card Transaction ProcessingFraud DecisioningSardineTransaction Monitoring
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Remote or Hybrid
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Senior level
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