At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

U.S. Bank is seeking the position of Solutions Architect – Money Movement Capability (Wires & Payments Technology) in Charlotte, NC.

Essential Responsibilities:

The Solutions Architect – Money Movement Capability (Wires & Payments Technology) will focus on the design and architecture of large-scale, enterprise-grade payment processing platforms supporting domestic and international wire transfers (e.g., Fedwire, CHIPS, SWIFT) and related ISO 20022 message flows. The duties are centered on modernizing and enhancing payment orchestration, message routing, real-time status APIs, and integration with downstream compliance, settlement, and reporting systems. Additional responsibilities include the following: analyze user needs and software requirements to determine feasibility of design within time and cost constraints; modify existing software to correct errors, adapt it to new hardware, or upgrade interfaces and improve performance; assist business teams with appropriate systems software solutions for payment processing workflows; design and define end-to-end application and integration architecture for enterprise wire payment platforms, including payment orchestration, network connectivity, and message routing components supporting ISO 20022 message types (e.g., pacs.008, pacs.009, pacs.002); translate complex business and regulatory requirements for high-value payment processing into technical architecture, system designs, and detailed solution specifications; define interfaces, APIs, data models, and integration patterns between core payment systems, middleware platforms (e.g., messaging and event streaming), and external networks; evaluate and recommend technology solutions, frameworks, and third-party products used within the payment processing ecosystem; ensure solutions align with enterprise architecture and security standards; collaborate with product, operations, compliance, and infrastructure teams to ensure solutions meet resiliency, scalability, security, and regulatory requirements; guide development teams through code-level design decisions, architectural reviews, and implementation patterns for distributed, service-oriented applications; oversee solution implementation and support software testing, validation, and integration activities to ensure alignment with design requirements; prepare and review functional, integration, and system test cases for payment applications in development; resolve technical issues; communicate architecture decisions to stakeholders and leadership; analyze and recommend system enhancements or modifications to improve performance, functionality, and long term maintainability of payment applications; utilize Java for backend application development and utilize J2EE for development of enterprise Java frameworks and application architectures. Position may allow working from home within commuting distance of the worksite location. Multiple Positions.

Basic Qualifications:

Requires a Bachelor’s degree (or foreign equivalent) in Computer Science plus 5 years of progressive post-baccalaureate experience as a Solutions Architect, Technology Analyst, or related. 

Required Skills/Experience:
Must possess 5 years of progressive post-baccalaureate experience with each of the following: gathering and analyzing functional, non-functional, regulatory, and integration requirements for enterprise payment processing systems; assisting business teams with appropriate systems software solutions for payment processing workflows; creating high- and low-level

design artifacts; conducting system and object oriented analysis; participating in design reviews; quality checks to ensure design requirements are met; preparing and reviewing functional, integration, and system test cases for payment applications in development test cases; conducting unit and integration testing; tracking and managing defects; performing root-cause analysis of post-implementation issues; working on solutions for resolution of issue fixes; utilizing Java for backend application development and utilizing J2EE for development of enterprise Java frameworks and application architectures; System Development Life Cycle (SDLC) and system integration; Spring; Hibernate; UNIX; Maven; and Junit. Position may allow working from home within commuting distance of the worksite location. U.S. Bank is subject to and conducts background checks consistent with the regulatory requirements applicable to our industry and operations.

Base pay range may vary if an offer is made for work in a different location. Pay Range: $158,746 - $164,100.(#LI-NDI #LI-DNI #LI-DNP #DE-DNP #IND-DNP)

• The examination for this position may include an additional supplemental questionnaire. Improper or missing responses could affect your application.
• This position is not eligible for visa sponsorship.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.