Java Developer - Payments

Role Summary

We are looking for an experienced Java Developer with strong exposure to the Payments domain to design, build, and enhance applications supporting global payment processing and modernization programs. The role involves developing scalable, high-performance backend components, integration services, and APIs that enable real-time payments, ISO 20022 message transformations, reconciliation, and workflow automation.

The ideal candidate will have hands-on experience with Java-based payment systems, an understanding of SWIFT/SEPA/ACH/RTP ecosystems, and familiarity with transaction life cycles from initiation to settlement. The role offers an opportunity to work closely with Product Owners, Business Analysts, and Transformation Leads to deliver next-generation payments solutions.

Key responsibilities

1. Application Development & Integration

• Design and develop Java-based backend services and RESTful APIs for payment processing, reconciliation, and message translation.
• Implement ISO 20022 (MX) to MT message transformation logic and related schema validation using XML/JSON parsers.
• Integrate with payment gateways, SWIFT interfaces, RTP/FedNow services, and internal systems like Core Banking or Treasury.
• Develop components supporting real-time payments, event-driven processing, and asynchronous messaging (Kafka, JMS).
• Ensure code performance, reusability, and compliance with secure coding and resiliency standards.

1. Payments System Modernization

• Collaborate with architecture and product teams on payments modernization, API enablement, and microservices migration.
• Build solutions to enhance straight-through processing (STP), exception handling, and operational efficiency.
• Participate in PoCs for platform refactoring and performance tuning of existing payment engines.

1. Collaboration & Delivery

• Partner with Business Analysts and Product Owners to translate business requirements into technical designs.
• Support unit testing, SIT/UAT, and post-production validation.
• Document technical solutions, workflows, and system interfaces.
• Participate in agile ceremonies — sprint planning, backlog refinement, and retrospectives.

1. Operational Resilience & Quality

• Develop and maintain error-handling, retry, and reconciliation frameworks for payment transactions.
• Work with QA and DevOps teams to support CI/CD pipelines, environment setup, and automated deployment.

Ensure compliance with regulatory and security standards within payment applications.

Skills required-

• 7+ years of experience in Java backend development, preferably in banking or payments environments.
• Strong expertise in Java 11 or higher, Spring Boot, REST APIs, Hibernate/JPA, and Microservices Architecture.
• Experience with ISO 20022 / SWIFT / SEPA / RTP / ACH message structures and transformations.
• Familiarity with message queues and event-driven systems (Kafka, JMS, RabbitMQ).
• Good understanding of database design (SQL/NoSQL) and experience with Oracle, PostgreSQL, or similar systems.
• Exposure to cloud environments (AWS, Azure, or GCP) and containerization tools (Docker, Kubernetes).
• Working knowledge of CI/CD pipelines, Jenkins, Git, and unit testing frameworks (JUnit, Mockito).
• Prior experience integrating with payment hubs (VolPay, Finastra, FIS, or Temenos) preferred.
• Understanding of security principles, OAuth2/JWT, and data encryption in financial applications.

Strong problem-solving, analytical, and communication skills, with ability to work in an agile, fast-paced environment.