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

U.S. Bank; Town of Charlotte (NY); On-site; USD 112,000 - 131,000; Full time

Benefits offered by this job

Healthcare

Life Insurance

Disability

Parental Leave

401(k)

Paid Vacation

Paid Holidays

Adoption Assistance

Sick Leave

Job summary

U.S. Bank is seeking an experienced Payments Engineer to design, develop, and modernize enterprise payment platforms that support domestic and international wire transfers.

The role focuses on implementing solutions across SWIFT, CHIPS, Fedwire, and ISO 20022, leveraging cloud-native architectures, APIs, and microservices. You will collaborate with business and technical teams to ensure secure, scalable payment capabilities and drive modernization initiatives.

Qualifications

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

Responsibilities

• Design, develop, and enhance payment platforms for domestic and international wire transfers.
• Lead integration across SWIFT, CHIPS, Fedwire, ISO 20022 messaging ecosystems.
• Modernize payment systems using cloud-native architectures and APIs.
• Collaborate with business, operations and technology teams to deliver secure, scalable payment capabilities.
• Drive payment transformations including legacy platform modernization and migrations.
• Ensure regulatory, compliance, risk and operational requirements across networks.
• Lead design reviews, set engineering standards, mentor teams.
• Troubleshoot issues and optimize payment lifecycle efficiency.

Skills

Global Payments

Wire Transfers

Payment Processing

ISO 20022

SWIFT

CHIPS

Fedwire

APIs

Java

Spring Boot

Microservices

Distributed Systems

REST APIs

Kafka

IBM MQ

JMS

Event-Driven

Cloud Platforms

AWS

Azure

GCP

Kubernetes

CI/CD

OpenShift

Platform Migration

Education

Bachelor's degree or equivalent experience

Tools

IBM MQ

JMS

Enterprise Integration Patterns

OpenShift

Kubernetes

CI/CD Pipelines

Cloud-Native

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.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That’s why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• 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.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,605.00 - $131,300.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.