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Senior payments-specialist backend role with niche ISO20022/SWIFT expertise reduces qualified applicant density.
Role demands payments-specific knowledge (ISO20022, SWIFT, entitlements, mandates), limiting cross-industry transferability.
Requires deep ISO20022, SWIFT, Java, and payments-controls expertise, making shortlisting highly restrictive.
Lead technical design and implementation of secure, scalable client payment initiation solutions across multiple channels (web, mobile, API, file).
Set technical direction and standards for payment platforms ensuring resilience, control, and consistent client experience.
Mentor engineering teams and collaborate across functions to align payment solutions with business goals and regulatory requirements.
Strong Java engineering experience within LeSS or SAFe agile frameworks.
Deep expertise in ISO 20022 payment standards (pain.001, pain.002, pain.007, pain.008) and knowledge of SWIFT MT messaging standards.
Experience in designing payment initiation, instruction processing, payment controls (duplicate prevention, idempotency), entitlements, mandates, and approval workflows.
Work Experience Required: Not explicitly mentioned in the JD.
Demonstrated leadership in setting technical direction for customer-facing payments platforms involving complex payment architectures.
Experience solving complex payment challenges with a focus on controls, regulatory compliance, and improving client experience.
Familiarity with industry payment best practices including real-time reporting, audit compliance, sanctions screening and dealing with large-scale payment processing environments.