Payments Architect (FIAT)

About Us

UMO is a stealth-mode FinTech venture aiming to evolve the way people experience money by building a unified, AI-powered, yet deeply human modern money platform across fiat, crypto, and investments—subject to regulatory approvals. The platform is being designed to break down traditional barriers to money across access, assets, and experience, enabling simpler, more adaptive ways for people to interact with financial services.

We are currently developing our MVP and navigating licensing requirements, with a multidisciplinary team of 100+ people representing 20+ nationalities. With our headquarters in the UAE and offices in Portugal and Ukraine, we are united behind a shared ambition and a relentless focus on serving our customers.

Key Responsibilities:

• Payment Rail Orchestration: Design the microservices patterns that handle money movement across SEPA (Instant & Credit), SWIFT, and Faster Payments. You will architect how these synchronous banking protocols interact with our internal asynchronous ledgers.
• Cards integration. You will design the microservices and adapters to cards providers in the UAE and Europe. 
• Ledger Integrity & Reconciliation: Architect a "Double-Entry Ledger" system within our microservices environment. You will ensure that internal balances always match external bank account statements, designing automated reconciliation jobs that run 24/7.
• Fiat-to-Crypto Bridging: Collaborate with the Crypto Architect to build the "On-Ramp/Off-Ramp" engine. You will solve the problem of locking a Fiat price for a user while waiting for a blockchain confirmation, managing the slippage and liquidity risk.
• Compliance by Design: Bake regulatory requirements (AML, KYC, PSD2) directly into the architecture. You will design data pipelines that sanitize and report transaction data to regulators without slowing down the user experience.
• Documentation: you document the crypto architecture. From business capabilities to business processes and business objects to microservices, event processing and our data lake. You document architectural decisions (ADRs). You ensure that everybody understands and works with the architecture, from Product Management to developers and devops engineers. 
• Provider Integration Strategy: Lead the technical integration with Banking-as-a-Service (BaaS) providers (e.g., ClearBank, Solaris, Railsr). You will decide how to abstract their APIs so we can switch providers without rewriting our core codebase.
• Idempotency & Resilience: Enforce strict idempotency standards across all payment APIs. You will ensure that if a user clicks "Send" twice, or if a server crashes mid-transaction, money is never sent twice.
• Performance Tuning: Optimize database locking strategies in PostgreSQL to handle high-concurrency account updates without creating deadlocks during peak trading hours.

Requirements:

• Golang Expertise: 5+ years of backend engineering with deep expertise in Go. You understand how to build fault-tolerant, high-concurrency financial services without race conditions.
• Distributed Systems: Proven experience with Microservices and Event-Driven Architecture. You know how to use Kafka or RabbitMQ to handle payment webhooks and asynchronous state updates reliably.
• Database Mastery: Expert-level knowledge of PostgreSQL. You understand isolation levels, pessimistic vs. optimistic locking, and how to model complex financial data relations.
• API Standards: Deep experience designing RESTful and gRPC APIs. You know how to manage backward compatibility when updating financial endpoints.

• Payment Protocols: You have implemented integrations for SEPA (SCT Inst), SWIFT, or ACH. 
• Card Processing: Familiarity with card issuing architectures (Visa/Mastercard), 3D Secure (3DS), and PCI-DSS compliance requirements.
• Ledger Logic: You have built or significantly contributed to a core banking ledger or a digital wallet system where data integrity was paramount.

• Regulatory Tech: Experience integrating third-party KYC/AML providers (e.g., Sumsub, Onfido, ComplyAdvantage).
• Security: Understanding of OAuth2, mTLS (mutual TLS) for banking connections, and data encryption at rest/transit (PII protection).

Start-up Benefits:

• Compensation: A highly competitive salary package that recognizes your expertise and contribution.
• Modern Work Culture: Embrace a remote-first environment with flexible working hours, designed to support your work-life harmony.
• Generous Time Off: Annual Leave- 24 days, dedicated paid sick leave, and Public Holidays.
• Professional Evolution: Grow your skills with a dedicated learning budget and clear pathways for accelerated career development.

     • Meaningful Impact: Join a world-class team building a prestigious, next-generation modern money platform that is redefining the future of finance.