Software Engineer US Zelle Payments
Job Title: Software Engineer – US Zelle Payments
Location: New York, NY (Onsite/Hybrid)
Seeking a Software Engineer with hands-on experience in Zelle payment processing systems. The role involves enhancing real-time payment workflows, supporting integration with Zelle endpoints, troubleshooting transaction failures, and ensuring compliance with US banking standards for peer-to-peer transactions.
Key Responsibilities:
- Develop, configure, and support applications integrating with Zelle payment rails and real-time messaging.
- Troubleshoot production issues involving failed transfers, settlement delays, and transaction mismatches.
- Work with internal payment APIs and external Zelle specifications for request/response handling.
- Ensure compliance with NACHA, FFIEC, and US instant payment regulations.
- Collaborate with payment operations, fraud/Risk teams, and core banking engineers to ensure secure and accurate transaction flows.
- Support monitoring, logging, and alerting for real-time Zelle flows using tools such as Splunk, AppDynamics, or Datadog.
- 5+ years of software engineering experience in payments or core banking systems.
- Hands-on experience with Zelle P2P payment processing , message formats, and integration protocols.
- Strong background in backend development using Java, Python, or C# .
- Experience with REST APIs, microservices, and real-time event-driven architectures.
- Understanding of payment settlement, reconciliation, fraud checks, and customer authentication flows.
- Experience working with ISO 20022, RTP, ACH, or FedNow payment systems.
- Familiarity with tokenized banking credentials and secure transaction models.
- Knowledge of US financial compliance standards and bank authentication systems (KYC, OFAC, AML).
- Strong debugging skills and experience supporting production environments (SRE mindset).
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