Asset & Wealth Management - Money Movement & Payment Rails, Software Engineering - Vice President - Richardson

The Goldman Sachs Group; Richardson (TX); On-site; USD 250,000 - 360,000; Full time

Job summary

Goldman Sachs is seeking a Vice President of Money Movement Engineering to steer the strategic technical direction of our global payment infrastructure. You will own end-to-end lifecycle management of money movement, from domestic real-time rails to international standards, ensuring scalability, resilience and regulatory compliance across millions of transactions.

You will lead the architecture of real-time processing, ensure data integrity and drive ISO 20022 migration, while collaborating with

Qualifications

• 12+ years of software engineering experience
• 6+ years in senior leadership within Payments/Fintech
• Hands-on with ACH, RTP, FedNow, Zelle and SEPA
• Expert knowledge of ISO 20022, SWIFT MT/MX, and JSON-based APIs
• Cloud-native infrastructure experience on AWS/GCP/Azure with microservices and distributed databases

Responsibilities

• Lead the strategic technical direction for money movement infrastructure.
• Ensure scalability, resilience, and compliance with global standards and SLAs.
• Oversee governance, standards and regulatory compliance across payments.
• Mentor the payments engineering team and manage external partners and vendors.

Skills

Leadership

Payments systems

ISO 20022

RTP / ACH / FedNow / Zelle

SEPA

Cloud-native

Kafka

Distributed databases

Regulatory knowledge

Education

Bachelor's or Master's in Computer Science/Engineering

Tools

AWS

GCP

Azure

Kafka

Cassandra

CockroachDB

Job description

The VP of Money Movement Engineering will lead the strategic technical direction for our global payment infrastructure. This leader is responsible for the end-to-end lifecycle of money movement, from the implementation of domestic real-time rails (RTP, FedNow, Zelle) and legacy systems (ACH) to the integration of international standards like SEPA. You will be the primary technical authority for ensuring that our payment systems are scalable, resilient, and compliant with global industry standards (ISO 20022), while maintaining rigorous Service Level Agreements (SLAs) for millions of consumer transactions.

Key Responsibilities

1. Payment Rail Implementation & Integration

• Domestic Rails: Lead the engineering and deployment of U.S. payment rails, including ACH, The Clearing House (TCH) RTP, FedNow, and Zelle.
• European Standards: Oversee the integration and maintenance of SEPA (SCT, SCT Inst, and SDD) to ensure seamless Euro-denominated transactions across the Single Euro Payments Area.
• ISO 20022 Migration: Drive the adoption of ISO 20022 messaging standards across all payment flows to ensure data richness, interoperability, and future-proofing of the payment stack.

2. Scalability & Performance Engineering

• High-Throughput Architecture: Design and manage distributed, event-driven systems capable of processing high-volume consumer transactions at scale with sub-second latency.
• SLA Management: Define, monitor, and guarantee strict Service Level Agreements (SLAs) for payment availability, processing times, and settlement finality.
• Resiliency & Recovery: Implement robust disaster recovery (DR) and business continuity plans (BCP) specifically for money movement, ensuring zero data loss and high availability (99.99% or higher).

3. Governance, Standards & Compliance

• Industry Standards: Ensure all integrations adhere to NACHA rules, Federal Reserve regulations, and European Payments Council (EPC) guidelines.
• Security & Risk: Partner with Information Security and Fraud teams to integrate real-time risk scoring and AML/KYC checks into the payment orchestration layer.
• Reconciliation & Ledgering: Oversee the engineering of automated, real-time reconciliation systems to ensure the integrity of the general ledger and customer accounts.

4. Strategic Leadership & Vendor Management

• Technical Roadmap: Define the 3-year vision for the "New Payment Rails" (NPR) team, balancing the modernization of legacy systems with the adoption of emerging instant payment technologies.
• Stakeholder Management: Act as the primary technical liaison for external partners, including central banks, clearing houses (TCH, EBA Clearing), and payment service providers (PSPs).
• Team Mentorship: Build and lead a high-performing team of payment engineers, architects, and SREs specializing in financial transaction systems.

Required Qualifications & Skills

Technical Expertise

• Engineering Leadership: 12+ years of experience in software engineering, with at least 6 years in a senior leadership role specifically within Payments or Fintech.
• Rail Mastery: Deep, hands-on experience with the technical specifications of ACH, RTP, FedNow, Zelle, and SEPA.
• Messaging Standards: Expert knowledge of ISO 20022, SWIFT MT/MX, and JSON-based API payment protocols.
• Cloud-Native Infrastructure: Proven experience building high-scale systems on AWS, GCP, or Azure using microservices, Kafka, and distributed databases (e.g., Cassandra, CockroachDB).

Strategic Leadership

• Operational Excellence: Proven track record of managing mission-critical systems with strict uptime and performance requirements.
• Regulatory Knowledge: Strong understanding of PSD2, Dodd-Frank, and global money transmitter licensing requirements.
• Analytical Rigor: Ability to translate complex payment network rules into technical requirements and control frameworks.

Education

• Bachelor's or Master's degree in Computer Science, Engineering, or a related technical field.

ABOUT GOLDMAN SACHS

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

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