Involvement in this project is anticipated to last initially 12 monthsbut may be extended.This role will behybridwith requirements to be in office3days per week.The Software Engineer – Payments & Settlements will design, build, and maintain critical systems that enable the transit, reconciliation, and settlement of payments and card‑transactions. You’ll work on high‑volume, low‑latency, mission‑critical payment flows (authorizations, clearing, settlement, reporting) while ensuring accuracy, reliability, scalability and regulatory compliance.Key ResponsibilitiesDesign, develop, test, deploy and maintain backend services (batch and real‑time) for payment clearing, settlement, reconciliation, and related interfaces.Ensure end‑to‑end flow of payments: from posting/clearing through settlement, revenue allocation, inter‑change, and reconciliation.Collaborate with product, operations, risk/compliance, and other engineering teams to translate payment business requirements into technical designs.Ensure high availability, scalability, operational excellence of payment/settlement systems: monitor, tune performance, handle failures, create proactive alerts.Develop and maintain data models, workflows and interfaces (APIs, messaging, file flows) between payment networks (card networks, ACH, wires), internal systems, and external partners.Ensure adherence to regulatory, audit, compliance requirements (for example card scheme rules, PCI, SOX controls, settlement timeliness).Contribute to system architecture, code reviews, best practices, technical debt reduction and continuous improvement.Build automation around reconciliation, reporting, exception handling, and resolution workflows.Mentoring more junior engineers, working with operations/support teams to ensure smooth production run‑rates and inc...