Payment, fintech & security engineer

About Esdiac

Esdiac is a technology company building modern digital services that power communication and

financial connectivity across emerging markets. Our platform provides global calling, data

services such as eSIM connectivity, and digital payment capabilities through products like

Esdiac Call, Esdiac Data, and Esdiac Pay. We are focused on delivering simple, secure, and

scalable digital experiences to customers worldwide.

Role Overview

We are looking for a Payment, Fintech & Security Engineer to join our Lagos team full-time and

onsite. You will own the engineering of our payment and money-movement systems end to end

from card processing and wallets to fraud prevention and regulatory compliance. You will work

closely with product, infrastructure, and leadership to build payment flows that are not only fast

and reliable, but provably secure and compliant with the regulations that govern financial

services in the markets we operate in. This is a hands-on role for someone who treats security

and compliance as core engineering concerns, not afterthoughts.

Responsibilities:

Payment Engineering

● Design, build, and maintain payment and money-movement services (card processing,

wallets, top-ups, settlements, refunds, and ledgering)

● Integrate and maintain payment gateways, card processors, and tokenization providers

● Build and harden financial ledger and reconciliation systems that keep balances

accurate and auditable

● Implement idempotent, fault-tolerant transaction flows that handle failures, retries, and

partial states correctly

Security & Fraud Prevention

● Design and enforce security controls across the payment stack, including encryption,

tokenization, and secure key management

● Build and tune fraud detection and prevention systems (device fingerprinting, risk

scoring, velocity checks, and rules engines)

● Conduct threat modeling and secure code reviews for payment-critical services

● Investigate and remediate security incidents affecting payment and customer data

Compliance & Regulation

● Ensure systems meet PCI DSS requirements and maintain compliance across the

payment environment

● Implement and maintain KYC, AML, and transaction-monitoring controls

● Translate regulatory requirements (CBN guidelines, PSD2/SCA, data protection laws

such as NDPR/GDPR) into concrete technical controls and engineering work

● Partner with leadership and external auditors during compliance assessments and

certifications

Collaboration

● Work closely with product managers, backend engineers, and infrastructure teams to

deliver secure, compliant features

● Participate in architecture reviews and provide technical guidance on payment and

security decisions

● Document systems, controls, and processes clearly for engineering and audit purposes

Requirements

● 4–7 years of backend engineering experience, with significant time spent on payment,

fintech, or financial systems

● Deep understanding of payment industry regulations and compliance, including PCI

DSS, KYC/AML, and SCA/strong customer authentication

● Hands-on experience building payment integrations (card processors, gateways,

tokenization, or wallet systems)

● Strong knowledge of application and data security: encryption, key management, secure

authentication, and secure API design

● Experience designing reliable, idempotent transaction systems and financial ledgers

● Proficiency with a modern backend language (Kotlin, Java, Go, or similar) and cloud

infrastructure (AWS preferred)

● Strong understanding of fraud prevention concepts and tooling

● Excellent communication skills and the ability to work effectively in a fast-paced startup

environment

● Based in or able to work onsite in Lagos, Nigeria

● Available to start immediately

Nice to Have

● Experience with telecom, cross-border payments, or remittance products

● Familiarity with West African and emerging-market payment rails and regulatory

environments (e.g., CBN, GIMS/NIP, mobile money)

● Experience with event-driven architectures and high-throughput transaction pipelines

● Hands-on experience with Kotlin/Ktor, EKS/Kubernetes, or similar

● Relevant certifications (CISSP, CISM, PCIP, or equivalent)

● Experience supporting PCI DSS audits or other formal compliance assessments

What We Offer

● Full-time role at the core of a growing fintech and communications platform

● Ownership of payment and security systems that serve customers across multiple

markets

● Direct collaboration with engineering, product, and leadership

● Opportunity to shape the security and compliance posture of global digital services from

the ground up

To Apply

Send the following to juliana@esdiac.com with the subject line Payment, Fintech & Security

Engineer — Lagos:

● Resume

● Links to relevant payment, fintech, or security projects you have worked on (where

shareable)

● A brief note on a payment or security system you designed or significantly improved

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