Asset & Wealth Management - Money Movement & Payment Rails, Software Engineering - Vice President

• Payment Rail Implementation & Integration
• Domestic Rails: Lead the engineering and deployment of U.S. payment rails, including ACH, The Clearing House (TCH) RTP, FedNow, and Zelle.
• European Standards: Oversee the integration and maintenance of SEPA (SCT, SCT Inst, and SDD) to ensure seamless Euro-denominated transactions across the Single Euro Payments Area.
• ISO 20022 Migration: Drive the adoption of ISO 20022 messaging standards across all payment flows to ensure data richness, interoperability, and future-proofing of the payment stack.
• Scalability & Performance Engineering
• High-Throughput Architecture: Design and manage distributed, event-driven systems capable of processing high-volume consumer transactions at scale with sub-second latency.
• SLA Management: Define, monitor, and guarantee strict Service Level Agreements (SLAs) for payment availability, processing times, and settlement finality.
• Resiliency & Recovery: Implement robust disaster recovery (DR) and business continuity plans (BCP) specifically for money movement, ensuring zero data loss and high availability (99.99% or higher).
• Governance, Standards & Compliance
• Industry Standards: Ensure all integrations adhere to NACHA rules, Federal Reserve regulations, and European Payments Council (EPC) guidelines.
• Security & Risk: Partner with Information Security and Fraud teams to integrate real-time risk scoring and AML/KYC checks into the payment orchestration layer.
• Reconciliation & Ledgering: Oversee the engineering of automated, real-time reconciliation systems to ensure the integrity of the general ledger and customer accounts.
• Strategic Leadership & Vendor Management
• Technical Roadmap: Define the 3-year vision for the "New Payment Rails" (NPR) team, balancing the modernization of legacy systems with the adoption of emerging instant payment technologies.
• Stakeholder Management: Act as the primary technical liaison for external partners, including central banks, clearing houses (TCH, EBA Clearing), and payment service providers (PSPs).
• Team Mentorship: Build and lead a high-performing team of payment engineers, architects, and SREs specializing in financial transaction systems.
• Required Qualifications & Skills
• Technical Expertise
• Engineering Leadership:  12+ years of experience in software engineering, with at least 6 years in a senior leadership role specifically within Payments or Fintech.
• Rail Mastery:  Deep, hands-on experience with the technical specifications of  ACH ,  RTP ,  FedNow ,  Zelle , and  SEPA .
• Messaging Standards:  Expert knowledge of  ISO 20022 ,  SWIFT MT/MX , and  JSON-based API  payment protocols.
• Cloud-Native Infrastructure:  Proven experience building high-scale systems on AWS, GCP, or Azure using microservices, Kafka, and distributed databases (e.g., Cassandra, CockroachDB).
• Strategic Leadership
• Operational Excellence:  Proven track record of managing mission-critical systems with strict uptime and performance requirements.

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