Software Engineer – US Zelle Payments

New York, NY
Contracted
Experienced
Job Title: Software Engineer – US Zelle Payments
Location: New York, NY (Onsite/Hybrid)

Job Description:
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.
Required Skills:
  • 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.
Preferred:
  • 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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