Software Engineer – US Zelle Payments

OmegaHires • New York, NY

29d • Hybrid

About The Position

Seeking a Software Engineer with hands-on experience in Zelle payment processing systems. The role involves enhancing real-time payment workflows, supporting integration with Zelle endpoints, troubleshooting transaction failures, and ensuring compliance with US banking standards for peer-to-peer transactions.

Requirements

• 5+ years of software engineering experience in payments or core banking systems.
• Hands-on experience with Zelle P2P payment processing, message formats, and integration protocols.
• Strong background in backend development using Java, Python, or C#.
• Experience with REST APIs, microservices, and real-time event-driven architectures.
• Understanding of payment settlement, reconciliation, fraud checks, and customer authentication flows.

Nice To Haves

• Experience working with ISO 20022, RTP, ACH, or FedNow payment systems.
• Familiarity with tokenized banking credentials and secure transaction models.
• Knowledge of US financial compliance standards and bank authentication systems (KYC, OFAC, AML).
• Strong debugging skills and experience supporting production environments (SRE mindset).

Responsibilities

• Develop, configure, and support applications integrating with Zelle payment rails and real-time messaging.
• Troubleshoot production issues involving failed transfers, settlement delays, and transaction mismatches.
• Work with internal payment APIs and external Zelle specifications for request/response handling.
• Ensure compliance with NACHA, FFIEC, and US instant payment regulations.
• Collaborate with payment operations, fraud/Risk teams, and core banking engineers to ensure secure and accurate transaction flows.
• Support monitoring, logging, and alerting for real-time Zelle flows using tools such as Splunk, AppDynamics, or Datadog.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 11-50 employees