What you describe is the opposite of what I expect from (modern) fintech.
* no tests
* god method with no proper documentation/requirements
* no one actually understanding the function deciding how much money to send! Isn't this one of the core functionalities of fintech products?
This code was around before I joined. It started small, but more and more requirements were added until it became like that. Not much effort went into structuring it. Now it's my responsibility, and I'm trying to make it better for me and anyone who will have to deal with it in the future.
While one would unit test with tiny expressions, often bugs only show up in large integration tests, as systems use many optimisations to cache and speed up behaviour, which can interact poorly