Software Engineer – US Wire Payments (Fedwire)

New York, NY
Contracted
Experienced
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.
Required Skills:
  • 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).
Preferred:
 
  • 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.

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