Unit Technology Corporation
ACH Gateway
NAPAS interbank payment gateway
Backend Software Engineer · Team of 12 · banking
The problem
Interbank messages had to be validated, tracked, and reconciled across NAPAS and Core Banking.
Architecture
Simplified view, no client internals.
What I delivered
- Implemented inward-deposit processing on ISO 20022 pacs.008 with validation, business rules, status tracking, and process logging.
- Developed reconciliation against NAPAS and Core Banking records to detect mismatches.
- Optimized SQL for transaction logs and latest-status lookup.
- Implemented the camt.033 copy-transaction flow.
Key decisions
Compare against both sides
Reconciliation checks internal transactions against NAPAS and Core Banking records, so a mismatch is visible whichever side it starts on.
Log the process, not only the result
Inward-deposit processing keeps status tracking and process logging alongside validation and business rules.
Stack
Spring Boot · SQL Server · Redis · ISO 20022