Senior Payments Platform Engineer (ACI MTS / SWIFT / ISO 20022)
Architect role in a hybrid work model focusing on design and delivery of scalable mobile applications using Swift UI and related Apple technologies ensuring secure high-quality solutions. The role involves close collaboration with cross functional teams to build robust features, optimize app performance and implement automated testing for reliable customer experience in cards and payments domain.
Cognizant’s Application Delivery If you’re like us, you’ve got big ideas. At Cognizant, we’re exploring new ideas every day. We help industry leading companies reinvent their business models and innovate products that create new value—by connecting people with things, insights and experiences. Cognizant digital engineering designs, engineers and delivers digital products and experiences that drive digital-first business models. We offer the most comprehensive digital engineering expertise and client-centric methodology for sustainable innovation.
Location: San Francisco, CA and Plano, TX.
Experience Required: 10+ years
You must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future. Cognizant will not sponsor work authorization for this role.
Responsibilities:
Design, develop, and unit-test new features, enhancements, and customer-specific extensions within the ACI MTS core product.
Contribute to scheme compliance releases for SWIFT CBPR+, SEPA, TARGET2, FedWire, CHIPS, CHAPS, TCH RTP, and FedNow.
Build and evolve integration components connecting MTS to SWIFT Alliance (SAA/SAG), MQ-based gateways, REST/SOAP services, and customer surround systems.
Implement and maintain SWIFT MT and ISO 20022 (pacs, pain, camt) message processing, including MX–MT translation and gpi/UETR handling.
Participate in customer implementation projects, including configuration, customization, and L3 production support escalations.
Collaborate with QEA and DevOps teams to ensure code quality, automated test coverage, and smooth CI/CD delivery.
Prepare technical design documents, interface specifications, and contribute to product documentation consumed by customers and ACI implementation partners.
Work within SAFe Agile release trains; participate in PI planning, estimation, code reviews, and sprint ceremonies.
Required Technical Skills:
• ACI MTS core stack: Hands-on experience with MTS configuration, rule sets, message profiles, party setup, repair queues, and workflow customization.
• HP NonStop (Tandem) platform: Strong proficiency in Java, TAL, COBOL85, TACL, SCOBOL, Pathway, Enscribe, SQL/MP, and TS/MP. Working knowledge of NonStop OSS.
• Messaging & integration: IBM MQ, XML/XSD/XSLT, JSON, REST and SOAP web services.
• Payment messaging standards: SWIFT MT (1xx, 2xx, 9xx series), ISO 20022 (pacs.008/009/002/004, pain.001/002, camt.052/053/054/056), SEPA SCT/SDD/SCT Inst schemas.
• SWIFT infrastructure: Working knowledge of SAA, SAG, HSM, SWIFTNet InterAct/FileAct, and gpi tracker/UETR handling.
• Clearing schemes: Practical exposure to at least two of FedWire, CHIPS, CHAPS, TARGET2, SEPA, TCH RTP, FedNow.
• Databases: SQL/MP on NonStop; familiarity with Oracle or MS SQL for surround systems.
• DevOps & tooling: Git/Bitbucket, Jenkins or Azure DevOps, JIRA, Confluence; shell scripting on NonStop and Linux.
Domain Knowledge:
• End-to-end high-value and cross-border payment lifecycle: initiation, validation, sanctions, FX, liquidity check, clearing, settlement, reconciliation, and exception handling.
• Instant payments semantics (TCH RTP, SEPA Inst, FedNow): request-response timing, timeout handling, and reversal flows.
• Liquidity, cash, and nostro/vostro management concepts.
• Familiarity with ACI's broader product portfolio (Enterprise Payments Platform, Low Value Real-Time Payments, ACI Worldwide Payments Orchestration) is a plus.
Nice to Have:
• Prior experience as an ACI MTS implementation consultant at a bank or partner.
• ACI internal certification or formal training on MTS / BASE24.
• SAFe Practitioner / SAFe Agilist certification.
Exposure to cloud-hosted deployments of payment workloads (AWS/Azure) and containerization of surround components.
Why Choose Cognizant?
It takes a lot to succeed in today’s fast-paced market, and Cognizant Technology Solutions has become a leader in the industry. We love big ideas and even bigger dreams! We stand out because we put human experiences at the core. Our associates enjoy robust benefits and training opportunities from our industry-recognized, award-winning Academy team. You will have access to hundreds of technical trainings to keep your skillsets fresh and have opportunities to acquire certifications on the newest technologies.
Everything we do at Cognizant we do with passion—for our clients (fortune 100 companies), our communities, and our organization. It’s the defining attribute that we look for in our people.
If you love ambiguity, excited by change, and excel through autonomy, we’d love to hear from you!
About Cognizant Application Delivery Well-designed, software transcends digital technology, going beyond the fulfillment of basic requirements to focus instead on human needs. Within Cognizant Digital Engineering, we help clients develop software products that transform human insights into tangible, production-ready digital solutions. We also work with our clients to scale their native cloud applications. Using insights from the lived experiences of our consumers, we seamlessly replace traditional service strategies with engaging, precise, and direct digital applications. Designing phenomenal software is vital to success in the digital economy—and we understand that a human-centric approach is key to this design.
www.cognizant.com
About us
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, building the bridge between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization’s unique context into technology systems that amplify human potential, realize tangible returns and keep global enterprises ahead in a fast-changing world. See how at www.cognizant.com or @cognizant.
Additional employment information
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.
Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.
Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.
