Backend Engineer (International Payments) / Laravel Engineer

About the Company

HelloMe Money, a product of HelloMe Limited, is a forward-thinking financial banking organisation committed to delivering innovative digital banking services with international payment solutions. Our mission is to empower customers to take control of their finances and spending through cutting-edge financial products.
At HelloMe, our core principles focus on treating customers fairly while our team operates with integrity, care, and due diligence. Customers are at the center of everything we do, and our alternative banking services are designed to address their everyday financial needs, breaking barriers to ensure seamless financial health.

About the Role

We are seeking an experienced and highly motivated Backend Engineer (International Payments) / Laravel Engineer to join our growing cross-border FinTech team. The successful candidate will be responsible for designing, developing, maintaining, and optimizing secure, scalable, and high-performance backend systems that power our international payment infrastructure, digital wallets, remittance services, virtual accounts, foreign exchange platforms, transaction monitoring systems, and related financial technology products.
This role requires deep expertise in Laravel, API development, international payment rails, banking integrations, payment orchestration, transaction processing, settlement workflows, and financial infrastructure. The successful candidate will build and maintain systems that support seamless cross-border transactions across major global payment networks including SWIFT, SEPA, Fedwire, TARGET2, Faster Payments Service (FPS), ACH, EFT, Open Banking, and other domestic and international payment schemes.

The Backend Engineer will work closely with Product, Compliance, Operations, Finance, Treasury, QA, DevOps, Banking Partners, and Executive Management to build reliable, secure, compliant, and scalable payment solutions that facilitate global money movement and financial inclusion.

This position plays a critical role in ensuring transaction reliability, payment processing efficiency, banking connectivity, regulatory compliance, system security, and operational scalability across all payment corridors and jurisdictions.

Key Responsibilities

Backend Development & System Architecture

• Design, develop, test, deploy, and maintain scalable backend applications using Laravel and PHP.

• Build and maintain RESTful APIs and microservices supporting cross-border payment services.

• Develop secure and highly available payment processing systems.

• Design backend services capable of handling high transaction volumes and real-time processing.

• Optimize application performance, database efficiency, and system scalability.

• Implement clean architecture, domain-driven design principles, and coding best practices.

• Maintain comprehensive technical documentation and API specifications.

International Payments & Financial Infrastructure

• Develop and maintain integrations with international payment rails and banking systems.

• Support payment routing, processing, settlement, reconciliation, and transaction lifecycle management.

• Integrate and support global payment networks including:

• SWIFT

• SEPA

• Fedwire

• TARGET2

• Faster Payments Service (FPS)

• ACH

• EFT

• Open Banking APIs

• Correspondent Banking Networks

• Build and maintain multi-currency payment processing systems.

• Support remittance and international money transfer platforms.

• Implement foreign exchange transaction workflows.

• Develop virtual account and digital wallet infrastructure.

• Ensure accurate transaction settlement and reconciliation processes.

• Support treasury and liquidity management integrations.

Banking & Payment Partner Integrations

• Integrate with banks, payment processors, financial institutions, and third-party service providers.

• Develop secure banking APIs and middleware services.

• Support inbound and outbound payment processing.

• Manage webhook services and event-driven payment notifications.

• Troubleshoot payment failures, transaction delays, and settlement issues.

• Support onboarding of new banking and payment partners.

• Maintain payment partner connectivity and service reliability.

Payment Processing & Transaction Management

• Design and implement payment orchestration engines.

• Build transaction authorization, validation, and routing systems.

• Support real-time payment processing and transaction monitoring.

• Develop transaction status tracking and notification services.