Sr. Software Engineer - (ISO 20022, SWIFT, CHIPS, and Fedwire payment ecosystems)

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

U.S Bank is seeking an experienced Payments Engineer with deep expertise in global payments, wire transfer processing, and modern payment messaging standards. The ideal candidate will possess strong domain knowledge across payment networks and a proven technology background leading the design, development, and modernization of mission-critical payment platforms.

Design, develop, and enhance enterprise-scale payment processing platforms supporting domestic and international wire transfers. Lead the implementation and integration of payment solutions across SWIFT, CHIPS, Fedwire, and ISO 20022 messaging ecosystems. Architect and modernize payment systems utilizing cloud-native technologies, distributed architectures, and API-driven services. Collaborate with business, operations, and technology teams to deliver resilient, secure, and scalable payment capabilities. Drive payment transformation initiatives, including legacy platform modernization and migration to next-generation payment architectures. Ensure payment applications meet regulatory, compliance, risk, and operational requirements across multiple payment networks. Lead technical design reviews, establish engineering standards, and provide mentorship to development teams. Troubleshoot complex payment processing issues, optimize system performance, and improve payment lifecycle efficiency from initiation through settlement. Basic Qualifications - Bachelor’s degree, or equivalent work experience - Five to six years of relevant experience Preferred Skills/Experience Deep expertise in Global Payments, Wire Transfers, Payment Processing Platforms, and Financial Services Technology. Advanced knowledge of ISO 20022, SWIFT, CHIPS, Fedwire, Payment Messaging Standards, and Cross-Border Payments. Strong understanding of Payment Operations, Clearing, Settlement, Liquidity Management, Cash Management, and Correspondent Banking. Experience designing and implementing Large-Scale Payment Systems, Real-Time Payments, High-Volume Transaction Processing, and Enterprise Integrations. Proficiency in Java, Spring Boot, Microservices Architecture, Distributed Systems, REST APIs, and Secure Application Development. Hands-on experience with Messaging Technologies including Kafka, IBM MQ, JMS, Event-Driven Architecture, and Enterprise Integration Patterns. Strong knowledge of Cloud Platforms (AWS, Azure, or GCP), Containerization, Kubernetes, OpenShift, CI/CD Pipelines, and Cloud-Native Engineering. Proven leadership in Payment Modernization, Digital Transformation, Platform Migration, Solution Architecture, Technical Strategy, and Agile Delivery. Location expectations   This role requires working from a U.S. Bank location three (3) or more days per week. If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our  disability accommodations for applicants .

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following: Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental