The Goldman Sachs Group, Inc

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

The Goldman Sachs Group, Inc$150K — $200K *
Finance & Insurance
11 - 15 years of experience
Job Overview by Ladders

Qualifications

  • 12+ years in software engineering; 6+ years in leadership roles within Payments or Fintech.
  • In-depth understanding of ACH, RTP, FedNow, Zelle, and SEPA specifications.
  • Expertise in ISO 20022, SWIFT MT/MX, and JSON-based payment protocols.
  • Experience in building scalable systems on AWS, GCP, or Azure using microservices and distributed databases.
  • Strong knowledge of PSD2, Dodd-Frank, and global licensing regulations.

Responsibilities

  • Lead U.S. payment rail engineering and deployment including ACH and RTP.
  • Manage integration of SEPA for Euro transactions across the Single Euro Payments Area.
  • Drive the migration to ISO 20022 for enhanced payment data interoperability.
  • Design high-throughput architecture for processing high-volume transactions.
  • Define and enforce Service Level Agreements (SLAs) for payment systems.
  • Implement disaster recovery and business continuity plans specific to money movement.
  • Act as the primary technical liaison with external partners and vendors.

Benefits

  • Comprehensive medical, dental, and vision insurance.
  • 401(k) plan with employer matching contributions.
  • Generous paid time off policies.
  • Professional development and continuous learning opportunities.
Full Job Description
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, including ACH, The Clearing House (TCH) RTP, FedNow, and Zelle.
  • European Standards: Oversee the integration and maintenance of SEPA (SCT, SCT Inst, and SDD) to ensure seamless Euro-denominated transactions across the Single Euro Payments Area.
  • ISO 20022 Migration: Drive the adoption of ISO 20022 messaging 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 strict Service 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 to NACHA rules, Federal Reserve regulations, and European 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.

4. Strategic Leadership & Vendor Management
  • 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 The Goldman Sachs Group, Inc

The Goldman Sachs Group, Inc. provides investment banking, securities, and investment management services, as well as financial services to corporations, financial institutions, governments, and high-net-worth individuals worldwide. Its Investment Banking segment offers financial advisory services, including advisory assignments concerning mergers and acquisitions, divestitures, corporate defense, risk management, and restructurings and spin-offs; and underwriting services comprising public offerings and private placements of a range of securities, loans, and other financial instruments, and derivative transactions. The company’s Institutional Client Services segment provides client execution services, such as fixed income, currency, and commodities client execution related to making markets in interest rate products, credit products, mortgages, currencies, and commodities; and equities related to making markets in equity products, as well as executes and clears institutional client transactions on stock, options, and futures exchanges. This segment also engages in the securities services business providing financing, securities lending, and other brokerage services to institutional clients, including hedge funds, mutual funds, pension funds, and foundations. Its Investing and Lending segment originates longer-term loans; and invests in debt securities, loans, public and private equity securities, real estate, consolidated investment entities, distressed assets, currencies, commodities, and power generation facilities. The company’s investment management segment provides investment products and services, as well as offers wealth advisory services, including portfolio management and financial counseling, and brokerage and other transaction services.

The Goldman Sachs Group, Inc. Careers

Join the prestigious team at The Goldman Sachs Group, Inc., a global leader in finance and investments, and propel your career to new heights. Our firm is renowned for its commitment to excellence, innovation, and leadership in the financial sector.

Work You’ll Do

At Goldman Sachs, you will be part of a dynamic environment that fosters growth, diversity, and professional development. Engage in transformative projects that redefine the landscape of global finance, driven by a culture of high performance and continuous improvement.

Lead with Innovation and Leadership

Step into a role where your skills will be honed and your leadership capabilities enhanced. The Goldman Sachs Group, Inc. is at the forefront of merging financial expertise with technological innovation, creating a platform for you to lead impactful initiatives.

Join Our Diverse and Inclusive Team

Diversity and inclusion are at the core of our company culture. With employees from various backgrounds, Goldman Sachs thrives on the rich ideas and perspectives that this diversity brings. Here, every team member’s contribution is valued, and every voice is heard.

Explore Job Opportunities and Internships

Whether you’re seeking full-time employment or looking into internship opportunities, Goldman Sachs offers a range of positions that cater to different skills, experiences, and career aspirations. From analyst to executive positions, discover how you can contribute to our legacy of success.

Networking and Professional Growth

Goldman Sachs is not just a workplace. It is a community where you can build lasting relationships with colleagues and industry leaders. Our networking events, mentorship programs, and professional groups foster connections that can accelerate your career trajectory.

Benefits and Career Development

Invest in your future with Goldman Sachs’ unparalleled employee benefits and career development programs. From comprehensive health benefits to personalized career coaching and leadership training, we ensure that our team is equipped for success, both professionally and personally.

Prepare for Your Future

Ready to take the next step? Prepare your resume, sharpen your interview skills, and explore the vast array of job opportunities at The Goldman Sachs Group, Inc. Our hiring process is designed to identify and nurture talent, helping you to achieve your career goals.

Stay Connected

Keep up to date with the latest from Goldman Sachs Careers by subscribing to our job alert emails. Tailor your preferences to receive updates that match your career interests and stay ahead in the competitive financial sector.

Join The Goldman Sachs Group, Inc.

Embark on a rewarding journey with The Goldman Sachs Group, Inc. where your potential is limitless. Explore positions, read about our company culture, and apply today to become part of a team that values growth, leadership, and innovation.

SEARCH GOLDMAN SACHS JOBS

READ CAREERS BLOG

At The Goldman Sachs Group, Inc., your career is just the beginning – it’s an opportunity to excel and lead in the global financial industry. Join us and make your mark!
Learn more about The Goldman Sachs Group, Inc
Size
45,100 employees
Market Cap
$115.8 billion
Industry
Net Income
$9.4 billion
Founded
1869
5 Year Trend
+11.3%
Revenue
$53.4 billion
NASDAQ

Similar Jobs

More Jobs at The Goldman Sachs Group, Inc

More Finance & Insurance Jobs

Find similar Asset & Wealth Management - Money Movement & Payment Rails, Software Engineering - Vice President - Richardson jobs: