Senior Aani Developer

Global Software Solutions Group FZ-LLC is seeking an experienced and technically strong Senior Aani Developer to lead the development, integration, and implementation of Aani-based instant payment services. The role is central to supporting our participation in the CBUAE’s National Payment Systems Strategy (NPSS) through seamless enablement of the UAE Instant Payment Platform – Aani, covering its Core Services, Overlay Services, and Value-Added Services (VAS).

The ideal candidate will have prior hands-on experience with Aani APIs, ISO 20022 message formats, proxy-based payments, and end-to-end customer onboarding via the Aani White Label App.

Key Responsibilities:

• Lead the end-to-end development and implementation of Aani Core and Overlay services, ensuring full compliance with Al Etihad Payments (AEP) specifications and guidelines.
• Design, build, and integrate real-time credit transfer services that utilize Aani Core components with support for clearing and settlement via real-time and batch modes.
• Implement Aani Overlay Services, including:
• Payment with Proxy (mobile, email, Emirates ID)
• Request to Pay (RtP)
• eMandates (eDDA)
• eCheques
• QR-based P2M Payments (static and dynamic QR)
• Split Bill & P2P transfers
• Work on customer enrolment flows, managing the association between proxy identifiers and default payment accounts.
• Integrate and support the Aani White Label App (WLA) for customer onboarding and authentication, and implement secure redirection flows to financial institutions for strong customer authentication (SCA).
• Collaborate with product managers, compliance, security, and DevOps teams to ensure the solution meets CBUAE and AEP standards.
• Utilize Aani VAS tools such as analytics, CRM portals, billing systems, and case management modules to enable monitoring, operational efficiency, and issue resolution.
• Maintain robust technical documentation, API specs, and test artifacts for use during certification and audit processes.
• Lead and mentor junior developers in secure API design, ISO 20022 messaging, and instant payments architecture.

Minimum 5+ years of experience in digital payment platforms, with 2–3 years specifically on Aani or NPSS-aligned systems.

In-depth understanding of:

• Aani Core Services – Real-time credit transfers, clearing, settlement mechanisms.
• Aani Overlay Services – Proxy resolution, RTP, eDDA, eCheque, QR Payments.
• Value-Added Services – Reporting, CRM, billing, and analytics tools provided by AEP.
• Strong experience with ISO 20022 standards, RESTful APIs, and real-time payment protocols.
• Proficiency in one or more backend languages: Java, Spring Boot, Node.js, with API development and integration expertise.
• Experience integrating OAuth2.0, Mutual TLS, digital signature validation, and SCA flows in banking applications.
• Hands-on experience with Aani White Label App (WLA) integration and customer enrolment architecture.
• Familiarity with AEP certification processes, simulators, and test environments.
• Experience working with UAE-based banks, financial institutions, or licensed PSPs.
• Exposure to CBUAE regulatory frameworks, including AML/CFT, data protection, and operational resilience.
• Experience in cloud-native environments (AWS, Azure) and containerized deployment (Docker, Kubernetes).
• Certification or training in ISO 20022, Payments Security, or Instant Payment Systems.
• Personal Attributes:
• Strong problem-solving and architectural thinking
• Effective communicator and cross-functional collaborator
• Detail-oriented with a focus on quality and compliance
• Agile and adaptable to evolving regulatory and technical environments.
• Education:
• Bachelor’s degree in Computer Science, Information Systems, Engineering, or equivalent technical field
• Relevant technical or domain certifications preferred

• Private Health Insurance
• Paid Time Off
• Training & Development