ACH Integration Engineer

Why Join MPS Group

At MPS Group, we believe that sustainable growth is built on strong technical talent, continuous learning, and a healthy balance between professional and personal life. We are a growing nearshore technology company focused on building long-term relationships—both with our people and with the organizations we support.

By joining MPS Group, you will be part of an environment that values expertise, accountability, and collaboration, while offering the stability and support needed to grow your career with confidence.

What we offer:

• Compensatory days off
  to help maintain a healthy work–life balance and support long-term well-being.
• Certification support
  to encourage continuous learning and professional development aligned with your career path.
• Birthday bonuses
  , because personal milestones matter just as much as professional achievements.
• Exposure to complex and meaningful technical challenges
  , working on modern architectures and diverse business use cases.
• Competitive, market-aligned compensation
  , recognizing your experience, skills, and contributions.
• Comprehensive social security coverage
  , providing peace of mind and long-term stability.

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).