Senior Software Engineer – ISO 20022, SWIFT, CHIPS, Fedwire Payment Ecosystems

U.S. Bank

. Design, develop, and enhance enterprise-scale payment processing platforms supporting domestic and international wire transfers .

Posted 9/15/2026full-timeCharlotte • North Carolina • United StatesSenior💰 $111,605 - $131,300 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in designing and implementing enterprise-scale payment processing platforms, with a strong focus on regulatory compliance and operational efficiency. Proficient in cloud-native technologies and payment messaging standards, ensuring secure and scalable payment solutions.

Highest-signal resume keywords

Global Payments ExpertiseISO 20022 KnowledgeJava ProficiencyAWS Cloud ExperiencePayment Modernization Leadership

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Payment Processing PlatformsWire TransfersMicroservices ArchitectureREST APIsHigh-Volume Transaction ProcessingEvent-Driven ArchitectureSecure Application DevelopmentLarge-Scale Payment SystemsCross-Border PaymentsPayment Messaging Standards

Soft Skills

LeadershipCollaborationMentoringProblem-SolvingCommunication

Tools & Technologies

KafkaIBM MQJMSKubernetesOpenShiftCI/CD PipelinesAWSAzureGCPDistributed Systems

Industry Keywords

Financial Services TechnologyPayment OperationsClearingSettlementLiquidity ManagementCash ManagementCorrespondent BankingDigital TransformationPlatform MigrationAgile Delivery

Tech Stack

Tools & technologies

AWSAzureCloudDistributed SystemsGoogle Cloud PlatformJavaKafkaKubernetesMicroservicesOpenShiftSpringSpring BootSpringBootSwift

About the role

Key responsibilities & impact

Design, develop, and enhance enterprise-scale payment processing platforms supporting domestic and international wire transfers
Lead implementation and integration of payment solutions across SWIFT, CHIPS, Fedwire, and ISO 20022 messaging ecosystems
Architect and modernize payment systems using cloud-native technologies, distributed architectures, and API-driven services
Collaborate with business, operations, and technology teams to deliver resilient, secure, and scalable payment capabilities
Drive payment transformation initiatives, including legacy platform modernization and migration to next-generation payment architectures
Ensure payment applications meet regulatory, compliance, risk, and operational requirements across multiple payment networks
Lead technical design reviews, establish engineering standards, and mentor development teams
Troubleshoot complex payment processing issues, optimize system performance, and improve payment lifecycle efficiency from initiation through settlement

Requirements

What you’ll need

Bachelor’s degree, or equivalent work experience
Five to six years of relevant experience
Deep expertise in Global Payments, Wire Transfers, Payment Processing Platforms, and Financial Services Technology
Advanced knowledge of ISO 20022, SWIFT, CHIPS, Fedwire, Payment Messaging Standards, and Cross-Border Payments
Strong understanding of Payment Operations, Clearing, Settlement, Liquidity Management, Cash Management, and Correspondent Banking
Experience designing and implementing Large-Scale Payment Systems, Real-Time Payments, High-Volume Transaction Processing, and Enterprise Integrations
Proficiency in Java, Spring Boot, Microservices Architecture, Distributed Systems, REST APIs, and Secure Application Development
Hands-on experience with Kafka, IBM MQ, JMS, Event-Driven Architecture, and Enterprise Integration Patterns
Strong knowledge of AWS, Azure, or GCP, Containerization, Kubernetes, OpenShift, CI/CD Pipelines, and Cloud-Native Engineering
Proven leadership in Payment Modernization, Digital Transformation, Platform Migration, Solution Architecture, Technical Strategy, and Agile Delivery
Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and related workplace conduct and safety policies

Benefits

Comp & perks

Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Incentive and recognition programs
Equity stock purchase
401(k) contribution and pension