Payments QA Engineer-3

REALIGN LLC; Charlotte (NC); On-site; USD 70,000 - 110,000; Full time

Job summary

REALIGN LLC in Charlotte, NC is seeking a Payments QA Engineer to validate wire transfer processing, including ISO20022 messaging across CBPR+ and legacy formats. The role requires hands-on testing, test data management, and strong collaboration with cross-functional teams.

You will design comprehensive manual test cases, ensure compliance coverage, and work with middleware interfaces and test tools in a fast-paced environment.

Qualifications

• Experience with wire transfer processing and related formats.
• Proficient in ISO20022 messaging and legacy SWIFT formats.
• Strong knowledge of Agile, SDLC and test management practices.
• Ability to create comprehensive manual test cases covering functional/non-functional/compliance.

Responsibilities

• Develop and execute manual test cases for payments workflows.
• Condition and manage compliant test data across environments.
• Collaborate with distributed teams and business partners.
• Maintain traceability and document results in test tools.

Skills

Wire transfer processing

ISO20022 messages

Agile

Test management

Manual test cases

Test data management

Communication skills

Middleware testing

Linux scripting

Tools

SOAP UI

Postman

Jira

Confluence

Octane

MTS utilities

Job description

Charlotte, North Carolina 28105 Posted August 29th, 2026

Location: Charlotte NC, Jersey city , NJ (Onsite)

Job Description

Payments QA engineer

Must Have Technical/Functional Skills

• Deep knowledge of Wire Transfer processing with hands on experience in ACI MTS, including payment/message flows, validations, and downstream impacts.
• Strong understanding of ISO20022 messages across CBPR+, Fedwire, and CHIPS, as well as legacy SWIFT MT formats.
• Solid grasp of Agile, SDLC, and test management methodologies.
• Ability to develop comprehensive manual test cases that cover functional, non-functional, and compliance requirements.
• Skilled at generating, conditioning, and managing compliant test data across environments.
• Analytical, detail-oriented, highly organized, and able to independently drive assignments to completion.
• Strong written and verbal communication skills with the ability to collaborate across distributed, cross-functional teams.
• Adaptable in a fast-paced environment and able to work within established timelines.
• Confident in making decisions to ensure features function as intended.
• Understanding of dependencies across wire processing, including:
• Payment and message processing flows
• Client products and services related to Wire Transfer
• Wire database structures and operational interactions
• Fedwire, CHIPS, and SWIFT practices, formats, and reconciliation
• gpi processing
• Experience supporting and testing middleware interfaces, including web services, daemons, and message-based integrations.
• Hands-on experience with tools such as SOAP UI, Postman, Jira, Confluence, Octane, and MTS utilities.
• Linux and shell scripting familiarity.
• Excellent problem solving, judgment and decision-making skills.
• Strong analytical skills.
• Must be an excellent team player.
• Responsible, reliable must be willing to continuously learn and develop.
• Detail and process oriented
• Ability to communicate with our Business Technology partners at all levels across the organization.
• Ability to develop strong relationships with our development team partners.
• Ability to partner with other Support teams and with technology groups within the organization.
• Self-starter and independent worker, ability to work with minimum supervision.

Required Skills

Fill below details &