Java with Payment-(ISO 20022, SWIFT, ACH) || F2F

MTK Technologies; Charlotte (NC); On-site; USD 100,000 - 130,000; Full time

Job summary

A leading technology firm is looking for a Senior Java Developer in Charlotte, NC. The role involves designing and developing secure, scalable payment solutions for banking and financial services. With a focus on payments processing, candidates should have a minimum of 10 years of Java development experience, a strong grasp of payment protocols, and the ability to lead teams. The position offers the opportunity to work in a collaborative environment, ensuring compliance with industry standards and mentoring junior staff.

Qualifications

• 10+ years of hands-on Java development experience with at least 7 years in payments processing.
• Deep understanding of payment processing methods including ACH, wire transfer, card payments.
• Strong experience with payment protocols such as ISO 20022, SWIFT, EMV, and PCI DSS.

Responsibilities

• Lead and develop Java-based payment processing systems.
• Design and implement high-performance, secure API solutions.
• Collaborate with teams to gather requirements and translate into designs.
• Ensure compliance with industry regulations such as PCI DSS.
• Maintain and troubleshoot existing payment platforms.

Skills

Java development

Payments processing

RESTful APIs

Microservices architecture

Agile/Scrum

Security best practices

Leadership

Education

Bachelor’s or Master’s degree in Computer Science

Tools

Spring Boot

SQL databases

NoSQL databases

Kafka

Job description

Senior Java Developer

Location: Charlotte, NC

Interview Mode – Face to Face

We are seeking an experienced and highly skilled Senior Java Developer with a proven background in payments processing to join our dynamic team in Charlotte, NC. In this role, you will be instrumental in designing, developing, and maintaining secure, scalable payment solutions for our banking and financial services clients.

The Role

Responsibilities

• Lead and develop robust Java-based payment processing systems, integrating with various payment gateways and protocols (e.g., ISO 20022, SWIFT, ACH, card networks).
• Design and implement high-performance, secure API solutions supporting real-time payment transactions.
• Collaborate with business analysts, product managers, and security teams to gather requirements and translate them into technical designs.
• Ensure compliance with industry regulations such as PCI DSS and other security standards.
• Maintain and enhance existing payment platforms, troubleshoot issues, and optimize system performance.
• Mentor junior developers, conducting code reviews and fostering best practices.
• Integrate third‑party payment vendors and develop custom interfaces as needed.
• Participate in architectural decisions, ensuring scalable, resilient solutions.
• Document technical solutions and complex payment workflows for future reference and audits.

Requirements

• Bachelor’s or Master’s degree in Computer Science, Engineering, or related field.
• 10+ years of hands‑on Java development experience, with at least 7 years in payments processing or financial services.
• Deep understanding of payment processing methods including ACH, wire transfer, card payments, and electronic funds transfers.
• Strong experience with payment protocols and standards such as ISO 20022, SWIFT, EMV, and PCI DSS.
• Expertise with RESTful APIs, microservices architecture, and cloud‑based deployment.
• Familiarity with technologies such as Spring Boot, Spring Security, Kafka, and SQL/NoSQL databases.
• Excellent knowledge of security best practices related to payments and sensitive data handling.
• Proven experience working in Agile/Scrum environments.
• Strong communication and leadership skills.

Preferred, but not required

• Experience with other databases like SQL or NoSQL.
• Knowledge of cloud platforms (AWS, Azure, GCP).
• Exposure to DevOps tools and CI/CD pipelines.