Backend Engineer (Node.js) Payments & Risk
Gold Media Tech
- United States
- United States
À propos
Our client provides high-limit credit cards to Private Banking clients who treat $100k transactions as routine. Our client needs a Senior Engineer to build the
Risk & Dispute Defense Layer
of their platform. You will build the Node.js microservices that sit between our clients and the Visa network. Your code must make split-second decisions to approve a luxury purchase or block a BIN attack, and automate the heavy lifting of Visa dispute resolution. Key Responsibilities
Event-Driven Architecture:
Architect an event-driven system (using Kafka or RabbitMQ) to ingest transaction webhooks. Velocity Logic:
Write efficient, non-blocking Node.js logic to detect complex patterns (e.g., "72 charges in 48 hours" or "card testing attacks") using Redis for atomic counting. Latency Management:
Ensure all fraud checks complete in under 200ms to avoid timing out the Visa ISO 8583 message flow. Visa API Integration:
Build robust integrations with Visa/Processor APIs (VROL) to automate the submission of chargebacks and retrieval requests. Evidence Gathering:
Create a service that automatically pulls transaction logs, IP history, and user activity to generate PDF evidence packages for disputes, reducing manual operations. 3. Backend Reliability
Idempotency:
Implement strict idempotency keys to ensure they never double-charge a client or double-submit a dispute, even if the network fails. Database Design:
Optimize SQL schemas (Postgres) to store millions of transaction logs for instant querying during fraud investigations. Requirements
Tech Stack:
5+ years in Backend Engineering, with
expert proficiency in Node.js & TypeScript. Industry Experience:
3+ years in
FinTech, Card Issuing, or Acquiring.
You must know what a reversal is and how it differs from a refund. Performance:
Experience tuning Node.js for high-throughput/low-latency (e.g., event loops, garbage collection tuning). Risk IQ:
You can distinguish between a Friendly Fraud chargeback and a Criminal Fraud attack and know how to code rules for both.
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Compétences linguistiques
- English
Avis aux utilisateurs
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