Updated for 2026

Fintech Software Engineer
Resume Example

A proven resume structure for fintech software engineer roles that highlights payment infrastructure, security practices, and high-throughput system design.

ATS Score
90
Excellent
Keywords · Impact · Format
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Jordan Kessler

San Francisco, CA  |  [email protected]  |  (555) 714-9253  |  linkedin.com/in/jordankessler
Summary

Fintech software engineer with 5 years of experience building payment processing systems, fraud detection pipelines, and banking APIs at scale. Architected a transaction processing service handling 2M daily payments with 99.99% uptime. Proficient in Go, Python, and distributed systems with deep knowledge of PCI-DSS compliance and financial data security.

Technical Skills
Languages: Go, Python, TypeScript, Java, SQL
Infrastructure: AWS (ECS, Lambda, SQS, RDS, KMS), Docker, Kubernetes, Terraform
Fintech: Payment Processing, Ledger Systems, PCI-DSS, SOC 2, Tokenization, ACH/Wire
Tools: PostgreSQL, Redis, Kafka, gRPC, Git, GitHub Actions, Datadog, Stripe API
Experience
Senior Software Engineer, Payments - Plaid
  • Architected a transaction processing service in Go handling 2M daily payments across ACH, wire, and real-time rails with 99.99% uptime and sub-100ms p99 latency
  • Built a double-entry ledger system processing $850M in monthly transaction volume with zero reconciliation discrepancies over 18 months
  • Implemented PCI-DSS Level 1 compliant tokenization using AWS KMS, reducing cardholder data exposure surface by 85%
  • Led a team of 4 engineers to migrate payment orchestration from monolith to event-driven microservices, reducing deployment frequency from weekly to 8x daily
Software Engineer - Marqeta
  • Developed fraud detection APIs in Python that analyzed 500K card transactions daily, blocking $12M in fraudulent activity annually
  • Built a webhook delivery system handling 1M events per day with guaranteed at-least-once delivery and 99.95% success rate
  • Reduced API response times by 40% by implementing Redis caching and connection pooling for high-frequency balance inquiry endpoints
  • Contributed to SOC 2 Type II audit preparation by implementing audit logging, access controls, and encryption-at-rest across 5 services
Education
B.S. Computer Science - University of California, Berkeley
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Why This Resume Works

1
Scale metrics are precise and impressive

2M daily payments, $850M monthly volume, and sub-100ms latency demonstrate serious infrastructure experience.

2
Financial security expertise is explicit

PCI-DSS, SOC 2, tokenization, and encryption show security-first engineering mindset required in fintech.

3
Zero-error systems are highlighted

Zero reconciliation discrepancies and 99.99% uptime are the gold standard for financial infrastructure.

Section-by-Section Breakdown

Summary

Lead with transaction volume and uptime. Mention payment types (ACH, wire, cards) and compliance standards.

Skills

Include fintech-specific terms (ledger systems, tokenization, PCI-DSS) alongside standard engineering skills.

Experience

Transaction volume, latency, uptime, and fraud prevention metrics are essential. Show financial data security work.

Education

CS degree is standard. Relevant open-source contributions or fintech-specific certifications add value.

Key Skills for Fintech Software Engineer Resumes

Based on analysis of thousands of job postings, these are the most frequently required skills:

Go Python TypeScript Payment Processing Ledger Systems PCI-DSS SOC 2 Tokenization AWS Kubernetes PostgreSQL Redis Kafka gRPC Distributed Systems Fraud Detection Microservices Event-Driven Architecture

Common Mistakes on Fintech Software Engineer Resumes

  • Writing a generic software engineer resume - Fintech engineering requires payment systems, compliance, and financial data security knowledge. Show it.
  • Not mentioning compliance standards - PCI-DSS and SOC 2 are non-negotiable in fintech. If you have worked with them, state it clearly.
  • Missing financial accuracy metrics - Reconciliation accuracy and zero-error records matter in financial systems. Include them.
  • Omitting payment rail specifics - ACH, wire, real-time payments, and card processing are different domains. Name the ones you have built.
  • No latency or throughput numbers - Financial systems have strict performance requirements. Show p99 latency and daily transaction counts.

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