Software Engineer US Wire Payments (Fedwire)

Job Title: Software Engineer – US Wire Payments (Fedwire)
Location: NYC, NY (Onsite/Hybrid)

Job Description:
Seeking a highly technical Software Engineer with strong experience in US domestic wire payment systems, specifically Fedwire. The role involves backend payment-service development, message formatting, integration with banking systems, and production troubleshooting for real-time wire transfers. The candidate will work closely with SRE, DevOps, and Payment Operations to ensure secure and compliant payment execution.
Key Responsibilities:

• Develop and maintain payment processing services supporting Fedwire Funds messaging and workflows.
• Implement logic for routing, settlement, cut-off times, compliance validation, and exception handling.
• Integrate wire-processing services with internal accounting, ledger, and downstream financial systems.
• Develop secure APIs for transaction execution, status monitoring, auditing, and reconciliation.
• Troubleshoot production incidents such as timeouts, mismatched message formats, and failed transactions.
• Enhance system reliability, observability, and failover capabilities using monitoring tools like Splunk.
• Ensure compliance with OFAC, AML, NACHA, ISO 20022, and Fedwire regulatory standards.
• Participate in architectural design, peer code reviews, deployment readiness, and release planning.

• 5–10+ years of software engineering experience in financial services or banking systems.
• Hands-on experience with Fedwire Funds Service and US domestic wire payment processing.
• Strong programming experience in Java, C#, or Python for backend services.
• Knowledge of financial messaging standards: ISO 20022, Fedwire formats, SWIFT MT .
• Experience with relational databases (Oracle, PostgreSQL, SQL Server) and ACID transactions.
• Familiarity with secure transport, encryption, authentication, and audit logging.
• Experience with troubleshooting/monitoring tools (Splunk, Prometheus, AppDynamics, Datadog).

• Experience with ACH, RTP, SWIFT, and real-time payment ecosystems.
• Knowledge of event-driven architectures (Kafka, JMS, MQ).
• Prior work within a regulated enterprise banking environment.
• Strong analytical, debugging, and cross-team communication skills.