Software Engineering Lead​/Architect - Hybrid

Genesis
10 is currently seeking a Software Engineering Lead/Architect for a Contract-to-Hire position with a Regional Financial Institution located in Columbus, OH;
Dallas, TX;
Charlotte, NC;
Atlanta, GA;
Detroit, MI; or Chicago, IL. This is a 3+ month contract-to-hire opportunity. This is a hybrid opportunity. Compensation: $85.00 - $100.00 per hour, W2, based on qualifications

Position Overview:

We are seeking a highly experienced Software Engineering Lead/Architect with 15 years in the banking and financial services industry, with deep, hands-on expertise across payment rails and transaction processing ecosystems. This role is focused on end-to-end payments architecture, emphasizing real-world experience designing, scaling, and optimizing high-volume payment platforms across card, ACH, wire, and real-time payment systems. The ideal candidate will bring a strong blend of payment rails expertise, card network knowledge, and core payment infrastructure design, along with proven leadership delivering resilient, secure, and highly performant systems in regulated environments.

Experience working within GCP-based architectures is highly preferred.

Key Responsibilities:

Lead the architecture and design of end-to-end payment processing systems across multiple rails (ACH, wires, RTP, cards, cross-border) Provide hands-on leadership in building high-volume, low-latency transaction platforms Drive architecture decisions across payment orchestration, routing, clearing, and settlement systems Partner with product, operations, and risk teams to align payment systems with fraud, compliance, and regulatory requirements Guide engineering teams on resiliency, scalability, and fault-tolerant design for mission-critical payment systems Support modernization efforts of legacy payment platforms while ensuring production stability Primary Requirements:
Deep hands-on experience with payment rails: ACH, Fedwire, CHIPS RTP / instant payments (e.g., TCH RTP, Fed Now) Card networks (Visa, Client, Client) SWIFT and cross-border payment flows Strong understanding of Payment lifecycle (authorization, clearing, settlement, reconciliation), API Modernization, Payment orchestration and routing logic, Issuer vs. acquirer processing flows, Wires, Card Expert, UI, and Infrastructure

Experience with high-throughput transaction systems (real-time batch) Solid knowledge of payment infrastructure, including processors, switches, and gateways Familiarity with ISO 8583 and ISO 20022 messaging standards Proven experience designing large-scale, distributed payment platforms Strong background in Event-driven systems, messaging-based architectures, Service-oriented or microservices architectures, and High-availability and fault-tolerant system design

Experience with cloud-native architectures, preferably Google Cloud Platform (GCP): GKE, Pub/Sub, Big Query, Cloud Spanner, etc Ability to balance real-time processing vs batch optimization based on use case Expertise in Low-latency system design for transaction processing, Horizontal scalability and throughput optimization, and Multi-region deployments and failover strategies Experience implementing Disaster recovery (DR) and business continuity and Observability (monitoring, tracing, alerting) in payment environments Working knowledge of PCI-DSS , KYC/AML, FFIEC, NACHA rules Experience integrating Fraud detection and risk scoring systems and Tokenization and encryption frameworks Strong understanding of secure payment data handling and auditability Desired

Skills:

Experience working with card issuing or acquiring platforms Exposure to payment processors or fintech ecosystems Prior experience modernizing core payment platforms (not strictly API-led) Familiarity with hybrid or…