Software Engineer lll - Payments Modernization

Responsibilities

• Codes solutions and unit test to deliver a requirement/story per the defined acceptance criteria and compliance requirements
• Designs, develops, and modifies architecture components, application interfaces, and solution enablers while ensuring principal architecture integrity is maintained
• Mentors other software engineers and coach team on Continuous Integration and Continuous Development (CI-CD) practices and automating tool stack
• Executes story refinement, definition of requirements, and estimating work necessary to realize a story through the delivery lifecycle
• Performs spike/proof of concept as necessary to mitigate risk or implement new ideas
• Automates manual release activities
• Designs, develops, and maintains automated test suites (integration, regression, performance)

Requirements

• 7+ years of hands-on software engineering experience, including building and supporting mission-critical systems.
• 7+ years of hands-on experience with Java and Spring Boot building microservices for mission-critical, low-latency systems.
• 2+ years of technical leadership experience (Feature Lead / Tech Lead / Senior Engineer) leading delivery for a small to mid-sized engineering team.
• Experience with event-driven architectures using Kafka (topic design, consumer groups, streaming patterns, integration with back-end services).
• Solid experience with Oracle (or similar RDBMS) including schema design for payments, performance tuning, and transactional integrity.
• Knowledge of wire processing workflows including initiation, compliance screening, enrichment, routing, settlement, exception handling, and investigations.
• Experience designing and deploying services using containers (Docker) and Kubernetes, including configuration, scaling, and rollout strategies, preferably on a cloud or private-cloud platform.
• Ability to ensure solutions meet regulatory and compliance requirements (OFAC, AML, sanctions, risk controls).
• Expertise applying architectural patterns, integration design, event-driven or microservices patterns, and modern engineering frameworks.
• Strong hands-on experience developing automated test suites, ensuring coverage across MT/MX message validation, schema compliance, routing logic, performance, and resiliency.
• Experience setting up and maturing CI/CD pipelines with automated quality gates, schema validations, regression packs, and safe deployment controls for mission-critical systems.
• Ability to troubleshoot and resolve complex technical issues across distributed systems, including message parsing failures, routing defects, latency issues, or integration errors.
• Excellent mentoring, communication, and collaboration skills to support engineering teams and influence technical direction across architecture, product, operations, and compliance partners.

Qualifications

• Familiarity with Federal Reserve Operating Circular 8, CHIPS Operating Rules, and SWIFT Standards related to wire message structures and processing requirements.
• 3+ years working in high-value payments, preferably in US Wires (Fedwire, CHIPS) and/or SWIFT cross-border payments.
• Experience supporting or engineering for high-value, low-latency payment systems, including performance tuning, message parsing optimization, and resiliency patterns.
• Exposure to fraud detection, sanctions screening engines, and other risk systems integrated into wire processing flows.
• Knowledge of end-to-end wire operational workflows including exceptions, repairs, adjustments, investigations, and settlement cycles.
• Experience implementing or integrating monitoring/observability platforms (e.g., Splunk, ELK, AppDynamics, Dynatrace) for wire transaction tracing and operational insights.
• Experience in cloud modernization or microservices transformation for wire or other regulated financial systems.
• Experience with UI frameworks (e.g., Angular) and/or Node.js for building operational tools, dashboards, or auxiliary services around wire platforms.
• Ability to collaborate with Compliance, Risk, Operations, and business SMEs to ensure solutions meet regulatory, operational, and audit requirements.