SAP BTP Development (ABAP) Lead KTEK RESOURCINGSAP BTP Development (ABAP) LeadOrinda, CAContractorDesign and develop HANA-optimized ABAP using CDS Views (annotations, associations, table functions), AMDPs, OData services (SEGW and RAP-based), and the RESTful ABAP Programming Model (RAP). Job Description: · Own the end-to-end technical design, architecture, and delivery of ABAP on HANA developments on S/4HANA — across RICEFW, custom Fiori applications, and BTP integration scenarios.
SAP CRM Consultant KTEK RESOURCINGSAP CRM ConsultantOrinda, CAContractorJob Description: To play a pivotal role in designing and implementing complex technical solutions, ensuring they align with business objectives and industry best practices.
Senior Embedded Linux Engineer – Next Generation SDV Platform (NVIDIA Thor) DorlecoSenior Embedded Linux Engineer – Next Generation SDV Platform (NVIDIA Thor)Sunnyvale, CA$80,000–$109,999.99 / yearFull timeEngineers will focus on new feature development across communication, security, power management, and Linux OS services, while ensuring compliance with SDV requirements and successful execution of ITCG test cases. We are looking for skilled Embedded Linux Engineers to work on a next-generation Software Defined Vehicle (SDV) program built on NVIDIA Thor.
NewSenior Engineering Technician – Hardware-in-the-Loop (HIL) ComriseSenior Engineering Technician – Hardware-in-the-Loop (HIL)Foster City, CAContractorIf you love building custom computers, routing flawless wire harnesses, and keeping complex server racks running seamlessly under tight R&D timelines, we want to talk to you. Our autonomous vehicle development team is moving fast, and we are looking for a precision-focused Engineering Technician to join the Software Hardware-in-the-Loop (SW HIL) team.
NewLead Technical Senior Service Administrator JJS GroupLead Technical Senior Service AdministratorHayward, CA$30–$45 / hourFull timeThis position serves as a bridge between the office and the field by supporting technician development, reviewing completed jobs, improving documentation quality, facilitating quotations, managing warranty processes, and driving continuous operational improvement. This role is ideal for someone with a strong commercial refrigeration background who enjoys coaching others, solving technical problems, and improving business processes.
Sr Network Engineer Raas Info Solutions Pvt LtdSr Network EngineerMountain View, CAContractorTroubleshooting & Resolution: Troubleshooting of complex network issues, performing deep-dive analysis, root cause isolation, and permanent resolution for incidents affecting end users. Deployment & Operations: Deployment, configuration, and maintenance of network hardware (routers, switches, firewalls) from Cisco and Palo Alto (C9200, C9300X, C9200, PA5500).
Enterprise Systems Manager MONTERRA CREDIT UNIONEnterprise Systems ManagerRedwood City, CA$133,000–$156,000 / yearThis role provides senior‑level technical leadership and oversight for the Jack Henry Symitar core system, Alkami Digital Banking, and related enterprise applications, including responsibility for application programming and development activities supporting systems such as ARCU, CFS Data Connectors, Power BI, SMA, Opcon, and other supporting systems and platforms. The manager is accountable for both project execution and ongoing operations, and ensures enterprise systems are effectively supported, strategically aligned, and remain current, secure, and compliant with regulatory requirements, drawing on a strong understanding of credit union core, digital banking, and enterprise platforms.
NewBCBA - Board Certified Behavior Analyst JobotBCBA - Board Certified Behavior AnalystSan Jose, CA$80,000–$87,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Our work centers on helping children with autism unlock their full potential, and that purpose shapes everything we do, from how we design our programs to how we support our team.
NewEmbedded Android Software Engineer JobotEmbedded Android Software EngineerSan Francisco, CA$120,000–$250,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. A global technology design and engineering company that develops connected products and embedded systems for leading international brands.
NewSolutions Architect JobotSolutions ArchitectSan Francisco, CA$180,000–$250,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. We are a fast-growing cybersecurity services company that helps organizations strengthen their security posture through innovative technology, expert consulting, and world-class service delivery.
NewSenior Frontend Engineer JobotSenior Frontend EngineerPleasanton, CA$180,000–$240,000 / yearThe founding team includes senior leaders and technical pioneers from industry giants like AWS, Cisco, VMware, and Gigamon - holding dozens of patents and having built critical systems at some of the most respected tech companies in the industry. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
NewSr. AI Software Engineer (C#/.Net, infrastructure & startup exp. req'd) - 100% REMOTE JobotSr. AI Software Engineer (C#/.Net, infrastructure & startup exp. req'd) - 100% REMOTESan Francisco, CARemote$170,000–$270,000 / yearThe ideal candidate will be mid-level backend .Net Software Engineer with recent experience within a small, fast-paced, API-focused AI infrastructure startup company with lean, highly collaborative engineering teams, where they have operated with significant ownership, autonomy, and a strong “go-getter” mentality. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
NewQuant Engineer JobotQuant EngineerSan Francisco, CA$300,000–$375,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Our platform transforms complex and fragmented market information into actionable pricing and investment intelligence for leading asset managers, investment banks, venture funds, and other sophisticated financial institutions.
NewManufacturing Test Development Engineer JobotManufacturing Test Development EngineerSunnyvale, CA$95,000–$200,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. We are seeking an experienced Manufacturing Test Development Engineer to design, develop, and deploy manufacturing test solutions for complex, high‑performance hardware systems, from PCB and PCBA through full system‑level test.
Engineering Technician I JEM America Corp.Engineering Technician IFremont, CA$27–$28 / hourFull timeJob Summary: Provide clerical and technical support to the Product Engineering Department to assist with engineering documentation and related tasks. The on-site interview process includes a math test.
NewSenior Software Engineer JobotSenior Software EngineerSan Francisco, CA$225,000–$450,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. We’re building the infrastructure layer for private capital markets — combining modern software systems, AI-native workflows, and deep market intelligence to transform how private market transactions happen.
NewML Solutions Architect JobotML Solutions ArchitectSan Jose, CARemote$140,000–$190,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. We anticipate growing 40% yoy over the next 5 years and are looking to bring on solutions architects who have worked with enterprise customers to build out applications and utilize data in a more efficient way.
NewData Engineering Solutions Architect JobotData Engineering Solutions ArchitectSan Jose, CA$150,000–$220,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. If interested, please apply, or feel free to message https://jobot.com/apply/data-engineering-solutions-architect/607007667?utm_source=Monster directly.
NewIT Engineer/ Help Desk JobotIT Engineer/ Help DeskSan Francisco, CA$70–$120 / hourInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Operating at the intersection of platform engineering, automation, and security, the team partners with high-growth enterprises to create repeatable, reliable, and compliant cloud environments across complex multi-cloud ecosystems.
NewSoftware Development Engineer JobotSoftware Development EngineerHillsborough, CA$65–$80 / hourDevelopers at this level are building greater independence, taking ownership of small to medium-sized work items, and strengthening their core engineering skills across multiple application layers, including user interfaces, services, APIs, and data. Our teams include professionals across software engineering, product development, clinical informatics, research, and healthcare technology who share a commitment to reducing complexity and improving outcomes for patients and providers.
NewSoftware Project Manager JobotSoftware Project ManagerSan Francisco, CARemote$120,000–$190,000 / yearYou'll manage multiple client engagements simultaneously while serving as the primary point of contact, helping clients navigate complex technical decisions and ensuring projects are delivered successfully. Information collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal.
NewApplication Security Engineer JobotApplication Security EngineerSan Francisco, CA$50–$80 / hourInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Integrate security tooling (Semgrep, Snyk, CodeQL, GitHub Advanced Security, Burp Suite) into CI/CD pipelines (GitHub Actions, GitLab CI, Jenkins) with minimal developer friction.
NewSenior AWS DevOps Engineer JobotSenior AWS DevOps EngineerMilpitas, CA$155,000–$165,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Our platform integrates with employers and payroll systems to provide real-time wage access and financial wellness tools that reduce reliance on payday loans, overdraft fees, and other costly alternatives.
NewInterim Financial Systems Lead (NetSuite, Zip) Vaco LLCInterim Financial Systems Lead (NetSuite, Zip)San Francisco, CARemote$70–$85Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors, including but not limited to: The individual’s skill sets, experience, and training; Licensure and certifications; Office location and other geographic considerations; Other business and organizational needs.
NewStaff Executive Technical Support Analyst Vaco LLCStaff Executive Technical Support AnalystSan Francisco, CA$180,000–$185,000Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Vaco by Highspring values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.
NewAccounting Implementation Manager Vaco LLCAccounting Implementation ManagerSan Francisco, CA$140,000–$160,000Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors, including but not limited to: The individual’s skill sets, experience, and training; Licensure and certifications; Office location and other geographic considerations; Other business and organizational needs.
NewManager, Data Center Asset Management and Accounting Vaco LLCManager, Data Center Asset Management and AccountingSunnyvale, CA$150,000–$200,000Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: the individual’s skill sets, experience and training; licensure and certification requirements; office location and other geographic considerations; other business and organizational needs. Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors, including but not limited to: The individual’s skill sets, experience, and training; Licensure and certifications; Office location and other geographic considerations; Other business and organizational needs.
NewBusiness Development Lead, Technology Vaco LLCBusiness Development Lead, TechnologySan Francisco, CA$1–$2Leading through individual production, they are the beacon of success by identifying market trends, attracting and retaining top performing talent, developing high performing teams, coaching, counseling and teaching. . Introduce a new technology line of business to Vaco’s clients by attracting new clients and consultants as well as building on‐going relationships. .
NewLead Software Engineer Visa Technology and Operations LLCLead Software EngineerFoster City, CA$192,300–$307,600 / yearVisa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid. Essential Functions Provide deep technical leadership within Shared Services Product Development, with a strong understanding of how shared platforms enable downstream product innovation.
NewSenior AWS Redshift Data Engineer (Contract | 1099) BraintrustSenior AWS Redshift Data Engineer (Contract | 1099)San Francisco / Bay Area, CABraintrust is a global talent network that connects top independent professionals with leading companies for high-quality, flexible work. We help organizations hire skilled talent faster while giving professionals access to vetted opportunities with innovative teams.
Senior Platform Software Engineer- Belmont,CA GPS companySenior Platform Software Engineer- Belmont,CABelmont, CAFull timep>As a Senior Platform Software Engineer, you will be integral to developing scalable backend services that power 3D positioning and IoT solutions. This role involves leading design and development within AWS, championing best practices, and working within a fast-paced Agile team.
Senior IT & Infrastructure Engineer Opportunity – Belmont, CA (Hybrid) VortexlinkSenior IT & Infrastructure Engineer Opportunity – Belmont, CA (Hybrid)Belmont, CAFull timeThis is a full-time hybrid role and an excellent opportunity for someone who enjoys owning infrastructure and being the go-to engineer for Linux systems, CI/CD, cloud operations, and internal IT support. Senior IT & Infrastructure Engineer position with an innovative technology company based in Belmont, California.
Principal 5G Location Algorithms Engineer GPS CompanyPrincipal 5G Location Algorithms EngineerBelmont, CAFull timep tabindex="0"> As a Principal 5G Location Algorithms Engineer, you will design, implement, and optimize advanced signal processing and location estimation algorithms to determine the real-time position of devices in the physical world.
NewRobotics Metrics Infrastructure Engineer ECLARORobotics Metrics Infrastructure EngineerLos Altos, CAPosition Overview: Looking for a consultant to deploy and extend our Python metrics pipeline for processing robotics test data (ROS2) in AWS. ECLARO is currently recruiting for a Robotics Metrics Infrastructure Engineer in the Los Altos, CA area for one of our clients.
NewNetwork Engineer ECLARONetwork EngineerSan Francisco, CAThe architecture team sets direction and designs the platform; this role keeps it running well - handling moves / adds / changes, monitoring, troubleshooting, and incident resolution across a leaf / spine (Clos) fabric. It's an ideal fit for an Engineer with solid hands-on Juniper experience who wants deep operational ownership and a clear path to grow into fabric, automation, and overlay technologies.
NewSecurity Engineer ECLAROSecurity EngineerLos Altos, CA$70–$77 / hourAWS security experience (highly preferred): IAM, Cloud security best practices, Security monitoring and controls within AWS environments. This role is ideal for someone who understands how to balance security best practices while enabling innovation and flexibility for engineering and research teams.
Photonics/ AR Process Integration Engineer APPLIED MATERIALSPhotonics/ AR Process Integration EngineerSanta Clara, CA$147,000–$202,500 / yearAs a Process Integration Engineer, you will be responsible for developing and optimizing nanotechnology process flows on various substrates, ensuring the performance, yield, and reliability of novel photonics devices including Augmented Reality displays. If you would like to contact us regarding accessibility of our website or need assistance completing the application process, please contact us via e-mail at Accommodations_Program@amat.com, or by calling our HR Direct Help Line at 877-612-7547, option 1, and following the prompts to speak to an HR Advisor.
Sr. Business Intelligence Engineer - Digital Experiences & Capabilities Visa Technology and Operations LLCSr. Business Intelligence Engineer - Digital Experiences & CapabilitiesSan Francisco, CA$180,600–$289,300 / year7+ years of experience in Database management, Big Data Engineering and Data Analytics • Proven track record in designing and implementing scalable, flexible data models that support evolving business and analytical needs. Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.
Manager, Data Production Visa Technology and Operations LLCManager, Data ProductionFoster City, CA$146,200–$233,700 / yearVisa’s Global Data & Platform Services organization is seeking a Product Manager to lead the development, delivery, and life‑cycle management of Visa’s Data Production capabilities, including data processing pipelines and real‑time data streaming platforms. Reporting to the Director of Global Data Services within the Global Data Office, you will define product vision, strategy, and roadmaps for core data platform capabilities that power analytics, AI/ML, real‑time decisioning, and mission‑critical payment services across Visa.
NewManager, Data Governance Platform Visa Technology and Operations LLCManager, Data Governance PlatformFoster City, CA$146,200–$233,700 / yearVisa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid. This role delivers access workflows, implements governance and access policies, coordinates enterprise access approvals, and ensures proper enforcement across cloud and on‑prem platforms.
NewManager, Information Consumption Visa Technology and Operations LLCManager, Information ConsumptionFoster City, CA$146,200–$233,700 / yearStrong interpersonal skills with ability to develop and sustain relationships across levels and role types influences and collaborates with all levels, functions and geographies • Superior communication and problem-solving skills with a passion to get things done, learn and inspire peers and business partners to uplift skills and capabilities leadership and communication skills. • Experience working to uplift and mature BI product capabilities, policies definition, controls and frameworks • Excellent problem-solving skills with track record in synthesizing complex information to produce impactful management information and support informed decision making.
Staff Software Engineer, Crypto Program Visa Technology and Operations LLCStaff Software Engineer, Crypto ProgramFoster City, CA$146,200–$233,700 / yearVisa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid. As a Visa Software Engineer, you will be an integral part of a multi-functional development team inventing, designing, building, and testing software products that reach a truly global customer base.
NewSenior Product Manager, Solution Enablement Visa Technology and Operations LLCSenior Product Manager, Solution EnablementFoster City, CA$169,100–$270,800 / yearReporting to the Director, this leader will be responsible for three pillars of Product Solutions and Growth driven by Customer Obsession as the core principles: Unlock new consumer experiences - Lead growth through solutioning of new concepts and product constructs in partnership with regional teams Big Tech partners hypergrowth fintech and processors. Masters, MBA, JD, MD) or 3 or more years of experience with a PhD • Bachelor’s or master’s degree in a technical or engineering field such as industrial engineering, systems engineering, engineering management, computer science, software engineering, or product design • 6 + years of experience in product management, technology product development, or a related field.
Cyber Security Engineer - Sr. Consultant level Visa Technology and Operations LLCCyber Security Engineer - Sr. Consultant levelFoster City, CA$180,600–$289,300 / yearThe ideal candidate is a strong security engineer and problem solver with deep experience in Python‑based services, cloud security engineering, API‑driven architectures, and automation, and who is excited to apply GenAI and autonomous agent technologies to modern security challenges. Visa’s Cyber Security team is seeking a Cyber Security Engineer to design, build, and operate large‑scale, cloud‑native and AI‑driven security platforms that protect Visa’s global brand, networks, products, and data.
Staff Software Engineer Visa Technology and Operations LLCStaff Software EngineerFoster City, CA$146,200–$233,700 / yearMasters, MBA, JD, MD) or 0 years of work experience with a PhD Preferred Qualifications • Experience with AI frameworks, LLMs, or generative AI (Claude, GPT, LangChain, etc.) • Knowledge of AI-powered development tools or building AI-enabled applications • Experience applying AI to engineering challenges or customer-facing features • Understanding of commercial payments, money movement, B2B payables, or payment processing • Experience with cloud platforms, microservices, and containerization (Docker, Kubernetes) • Knowledge of API design, integration patterns, and distributed systems • Familiarity with observability, monitoring, or DevOps practices. As a Visa Software Engineer, you will be an integral part of a multi-functional development team inventing, designing, building, and testing software products that reach a truly global customer base.
Sr. Cybersecurity Engineer Visa Technology and Operations LLCSr. Cybersecurity EngineerFoster City, CA$161,400–$258,500 / yearThe ideal candidate is a strong security engineer and problem solver with deep experience in Python‑based services, cloud security engineering, API‑driven architectures, and automation, and who is excited to apply GenAI and autonomous agent technologies to modern security challenges. Visa’s Cyber Security team is seeking a Cyber Security Engineer to design, build, and operate large‑scale, cloud‑native and AI‑driven security platforms that protect Visa’s global brand, networks, products, and data.
NewAnalyst, Solutions Management Visa Technology and Operations LLCAnalyst, Solutions ManagementSan Francisco, CA$123,000–$190,900 / yearMasters, MBA, JD, MD) • Financial services, crypto, and/or payments industry experience required • High product acumen and solutions mindset • Proven ability to understand, communicate, and problem solve with client on technical solutions • Strategic thinking and thought leadership with subject matter explain in stablecoins and blockchain technology • Teamwork, interpersonal & relationship-building skills, and ability to influence clients and stakeholders based on technical acumen • Acumen with AI tooling for research and prototyping. As the Visa Crypto Solutions Analyst, you will be responsible for working with clients on their stablecoin strategy and helping to position and sell Visa crypto solutions across key client types such as banks, merchants, fintech, and enablers.
NewStaff Data Engineer Visa Technology and Operations LLCStaff Data EngineerFoster City, CA$146,200–$233,700 / yearVisa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid. At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.
NewApplications Program Analyst Visa Technology and Operations LLCApplications Program AnalystFoster City, CA$123,000–$190,900 / yearPreferred Qualifications • 2 years or more with an Advanced Degree (Masters/PhD in Computer Science) • Proficiency in implementing and fine-tuning AI models using popular frameworks (e.g., TensorFlow, PyTorch, scikit-learn) • Exposure to leading-edge areas such as Machine Learning, Deep Learning, Stream Computing and MLOps. Translate complex business challenges into clear engineering roadmaps , user requirements, and technical specifications that enable breakthrough innovation across payment flows, fraud intelligence, data products, and real‑time commerce platforms.