Sr. Software Engineer - (ISO 20022, SWIFT, CHIPS, and Fedwire payment ecosystems)

US Bank; Charlotte (NC); On-site; USD 120,000 - 150,000; Full time

Benefits offered by this job

Healthcare

401(k) plan

Paid vacation

Paid holidays

Adoption assistance

Sick leave

Job summary

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

You will work across SWIFT, CHIPS, Fedwire, and ISO 20022, applying cloud-native and API-driven approaches to deliver scalable, secure payment capabilities. Collaborate with business and tech teams to drive modernization and regulatory alignment.

Qualifications

• Bachelor's degree or equivalent work experience.
• 5–6 years of relevant experience in payments or financial services.

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 ecosystems.
• Architect and modernize payment systems using cloud-native, distributed architectures and API-driven services.
• Collaborate with business, operations, and technology teams to deliver secure, scalable payment capabilities.
• Drive payment transformation initiatives including legacy platform modernization and migration to next-gen architectures.

Skills

Global Payments

Wire Transfers

ISO 20022

SWIFT

Cloud Platforms

Java

Spring Boot

Microservices

REST APIs

Kafka

IBM MQ

JMS

Kubernetes

CI/CD

Education

Bachelor's degree

Tools

AWS

Azure

GCP

OpenShift

Job description

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

U.S Bank is seeking an experienced Payments Engineer with deep expertise in global payments, wire transfer processing, and modern payment messaging standards. The ideal candidate will possess strong domain knowledge across payment networks and a proven technology background leading the design, development, and modernization of mission-critical payment platforms.

Essential 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.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Five to six years of relevant experience

Preferred Skills/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 Messaging Technologies including Kafka, IBM MQ, JMS, Event-Driven Architecture, and Enterprise Integration Patterns.
• Strong knowledge of Cloud Platforms (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.

Location expectations

This role requires working from a U.S. Bank location three (3) or more days per week.

Benefits

• 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
• Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.