Payments Senior Developer – RTP & Wire Processing

Job Title - Payments Senior Developer – RTP & Wire Processing Location – US (Remote) Job Type – Contract (1 year contract ) We are seeking a Senior Payments Technical Developer with deep expertise in payments platform integration and modernization. This role will be responsible for designing, developing, and integrating payment solutions across Wires, RTP, and compliance platforms, working closely with product, operations, vendors, and architecture teams. The ideal candidate has hands-on experience with real-time payments, wire replacement programs, and financial crime/compliance integrations in a regulated banking environment. • Bachelor’s degree in computer science, Engineering, or a related field. • Minimum 5 years of professional experience in Java application development. • Experience with Spring / Spring Boot. • Familiarity with REST/SOAP APIs and integration patterns. • Solid understanding of payments processing workflows (Wires, RTP). • Hands-on experience with atleast one RTP & Wire product platforms such as: Finastra, Alacriti, Finzly, FIS or similar providers. • Proficiency in one or more SQL databases (Oracle, MySQL, PostgreSQL, or similar). • Excellent problem-solving and communication skills. • Ability to work collaboratively in a team environment. • Experience with cloud platforms (AWS, Azure) is a plus. Job Responsibilities • Design, develop, and support integrations between internal payments platforms and third-party systems including: Bottomline, Commercial Center, SWIFT, Signature, Actimize, OFAC screening platforms (LexisNexis) • Develop and maintain interfaces (APIs, file-based and messaging interfaces) to support integration with core banking systems and external partners. • Lead or contribute to RTP implementations and enhancements, including onboarding, transaction processing, and exception handling. • Participate in or lead Wire replacement or modernization initiatives. • Design solutions to migrate from legacy wire systems to modern, API-based or ISO 20022–compliant platforms. • Integrate and process payment messages across multiple formats including ISO 20022, SWIFT MT, and proprietary formats. • Analyze, troubleshoot, and fix defects identified in development, testing, or production environments. • Collaborate with business analysts, QA, and operations teams to support end-to-end payment flows. • Participate in code reviews, unit testing, and production support activities. • Support performance tuning, monitoring, and issue resolution for high-volume payment processing.