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

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

Job Description

The VP of Money Movement Engineering will lead the strategic technical direction for our global payment infrastructure. This leader is responsible for the end-to-end lifecycle of money movement, from the implementation of domestic real-time rails (RTP, FedNow, Zelle) and legacy systems (ACH) to the integration of international standards like SEPA. You will be the primary technical authority for ensuring that our payment systems are scalable, resilient, and compliant with global industry standards (ISO 20022), while maintaining rigorous Service Level Agreements (SLAs) for millions of consumer transactions.

Key Responsibilities

1. Payment Rail Implementation & Integration

• Domestic Rails:Lead the engineering and deployment of U.S. payment rails, includingACH,The Clearing House (TCH) RTP,FedNow, andZelle.
• European Standards:Oversee the integration and maintenance ofSEPA(SCT, SCT Inst, and SDD) to ensure seamless Euro-denominated transactions across the Single Euro Payments Area.
• ISO 20022 Migration:Drive the adoption ofISO 20022messaging standards across all payment flows to ensure data richness, interoperability, and future-proofing of the payment stack.

2. 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 strictService 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).

3. Governance, Standards & Compliance

• Industry Standards:Ensure all integrations adhere toNACHArules,Federal Reserveregulations, andEuropean 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.
• 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.
• Regulatory Knowledge: Strong understanding of PSD2 , Dodd‑Frank , and global money transmitter licensing requirements.
• Analytical Rigor: Ability to translate complex payment network rules into technical requirements and control frameworks.

Education

• Bachelor’s or Master’s degree in Computer Science, Engineering, or a related technical field.

ABOUT GOLDMAN SACHS

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more:

Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.

Location: Richardson, TX, United States

Healthcare & Medical Services

We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally

We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.

Financial Wellness & Retirement

We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.

Health

We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also provide state‑of‑the‑art on‑site health centers in certain offices.

Fitness

To encourage employees to live a healthy and active lifestyle, some of our offices feature on‑site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre‑approved amount).

We offer on‑site child care centers that provide full‑time and emergency back‑up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.

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