Senior Java Engineer – Fund Security & Account Security (Fiat OnOff-Ramp)

About the Team: We build and run fiat on/off-ramp integrations. We connect with banks and payment providers around the world and support the core money flows: deposits, withdrawals and trading. We also connect these flows with our internal ledger and reconciliation systems. Our goal is that every transaction is secure, accurate and fully traceable.

What You’ll Do:

• Fund Security: Design fund security for deposit, withdrawal and trading flows. Find where funds could be lost, and build controls that prevent problems up front, block them in real time and catch them afterwards.
• Account Security: Design and build account security controls, such as account status management, fund freezing and unfreezing, protection for sensitive operations, and detection of abnormal behavior.
• Channel Integration: Integrate with banks and third-party payment providers. Make callbacks, status sync, idempotency and retries reliable, so there are no duplicate credits, missed transactions or mismatched states.
• Ledger Integration: Work with the internal accounting and clearing & settlement systems so that fund flows always match the ledger. Help design the accounting model and fund-flow standards.
• Reconciliation: Build channel, internal and multi-party reconciliation. Handle break detection, suspense accounts and adjustments, and make sure every discrepancy gets resolved. Keep making reconciliation more automated and faster.
• Monitoring & Incident Response: Build reconciliation checks and fund-loss alerts. Lead the investigation, containment and post-mortem for fund-related incidents.
• AI Enablement: Use LLMs and AI tools to make fund security and reconciliation more efficient, for example anomaly detection, automatic root-cause analysis of breaks, smart reconciliation and operations support.

What We’re Looking For:

• 5+ years in financial services (payments, banking, exchanges, etc.) with strong hands-on experience in fund security and reconciliation.
• Expert Java skills, with a solid grasp of the JVM, concurrency and distributed systems. Deep understanding of high-availability, strongly consistent systems.
• Skilled with the open-source Java stack, such as Spring Boot / Spring Cloud, MyBatis, MySQL, Redis and Kafka / RocketMQ, and understands how these tools work inside.
• Experienced with distributed transactions, idempotency and eventual consistency. Has designed and shipped financial systems from start to finish.
• Knows clearing & settlement processes and double-entry bookkeeping. Familiar with how banks integrate: APIs, SFTP reconciliation files, ISO 20022 / SWIFT messages.
• Strong AI skills: Uses AI tools every day to work faster, with hands-on experience building LLM applications (prompt engineering, RAG, agents).
• Strong sense of risk and close attention to detail. Takes ownership, communicates well and drives work forward.
• Bilingual English/Mandarin is required to be able to coordinate with overseas partners and stakeholders