Sr. Payments Engineer - ISO 20022, SWIFT, CHIPS & Fedwire

Us Bank; Charlotte (NC); Hybrid; USD 112,000 - 131,000; Full time

Job summary

U.S. Bank is seeking an experienced Payments Engineer to lead the design, development, and modernization of enterprise‑scale payment platforms for domestic and international wire transfers.

The role requires deep knowledge of ISO 20022, SWIFT, CHIPS, Fedwire, and cross‑border payments, with hands‑on expertise in Java, microservices, and cloud platforms. You will mentor teams and drive critical modernization initiatives in a regulated environment.

Qualifications

• Bachelor’s degree or equivalent work experience.
• Five to six years of relevant experience.

Responsibilities

• Design, develop, and enhance enterprise‑scale payment processing platforms supporting domestic and international wire transfers.
• Lead the implementation and integration of payment solutions across SWIFT, CHIPS, Fedwire, and ISO 20022 messaging ecosystems.
• Architect and modernize payment systems utilizing 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 provide mentorship to development teams.
• Troubleshoot complex payment processing issues, optimize system performance, and improve payment lifecycle efficiency from initiation through settlement.

Skills

Global Payments

Wire Transfers

Payment Processing

ISO 20022

SWIFT

CHIPS

Fedwire

Cross-Border Payments

Java

Spring Boot

Microservices

REST APIs

Security

Kafka

IBM MQ

JMS

Event-Driven Architecture

Cloud Platforms

AWS

Azure

GCP

Kubernetes

OpenShift

CI/CD

Education

Bachelor’s degree or equivalent

Tools

IBM MQ

Kafka

Job description

U.S. Bank is seeking an experienced Payments Engineer to lead the design, development, and modernization of enterprise‑scale payment platforms for domestic and international wire transfers.

The role requires deep knowledge of ISO 20022, SWIFT, CHIPS, Fedwire, and cross‑border payments, with hands‑on expertise in Java, microservices, and cloud platforms. You will mentor teams and drive critical modernization initiatives in a regulated environment.