Royal Bank of Canada

Associate Director, Payments Full Stack Developer (SWIFT)

Royal Bank of Canada$100K — $130K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5-7 years of experience in payments processing or related field.
  • Strong knowledge of SWIFT messaging protocol.
  • Proficiency in Java development and SQL database management.
  • Experience with CLS (Continuous Linked Settlement) systems.
  • Familiarity with organizational needs analysis for application system implementations.

Responsibilities

  • Design and maintain CLS Manager applications supporting clearing and settlement.
  • Build solutions for bilateral and multilateral netting and liquidity management.
  • Troubleshoot and optimize performance of settlement scenarios.
  • Code, test, and enhance application programs.
  • Review and modify large-scale programming systems for efficiency.
  • Maintain documentation for system development and revisions.
  • Conduct needs analysis for development and implementation processes.

Benefits

  • Comprehensive total rewards program with bonuses and flexible benefits.
  • Supportive leaders focused on development and coaching opportunities.
  • Ability to make a significant, lasting impact in the role.
  • Dynamic and collaborative team environment.
  • Access to a world-class training program in financial services.
  • Flexible work/life balance options available.
  • Opportunities to engage in innovative work leveraging AI and SRE principles.
Full Job Description
Job Description

What is the opportunity?

BCST Global Payments Tech team is seeking an experienced Senior Full Stack Developer to design, develop, and maintain SWIFT messaging solutions for Continuous Linked Settlement (CLS) operations. This role requires deep expertise in CLS, CLS Manager, SWIFT MT and MX message standards, combined with full stack development capabilities across front-end and back-end systems. The successful candidate will play a key technical leadership role in ensuring seamless integration, compliance, and optimization of RBC Capital Markets SWIFT messaging infrastructure.

What you will do:

  • Develop and enhance full stack applications supporting CLS FX messaging workflows, including user interfaces, APIs, databases, and middleware components
  • Design and implement solutions that comply with current and emerging SWIFT standards, CLS tools (CLSNet, CLS Manager). Collaborate with cross-functional teams including product, operations, compliance, and infrastructure to gather requirements, define technical specifications, and deliver scalable solutions
  • Troubleshoot and resolve complex technical issues related to CLS netting, SWIFT message processing, integration failures, and system performance bottlenecks. Conduct code reviews, mentor junior developers, and establish best practices for code quality, testing, and documentation
  • Participate in CLS and SWIFT upgrade projects, ensuring timely adoption of new formats and features across enterprise systems


Must-have:
  • Minimum 7+ years of software development experience with demonstrated expertise in full stack development (front-end, back-end, and database technologies). In-depth knowledge of SWIFT messaging standards, including MT and MX message formats, ISO 20022, and message validation protocols
  • Experience with CLS or other settlement systems. Familiarity with CLS Manager GUI, SWIFT ISO 20022 migration initiatives, or other emerging payment standards
  • Experience in Linux, along with strong proficiency in modern programming languages such as Java, Python, or C#, combined with experience in cloud platforms and microservices architecture
  • Experience with payment systems, financial messaging, or settlement operations. Solid understanding of APIs, RESTful services, and asynchronous messaging frameworks. Knowledge of financial compliance, regulatory requirements (such as AML, sanctions screening), and security best practices in financial services
  • Technical expertise in full stack development and SWIFT messaging standards, strong problem-solving and analytical capabilities, excellent communication and collaboration skills, project management experience, attention to detail and commitment to code quality, ability to manage multiple priorities in a regulated environment.


Nice to have:
  • Experience with containerization technologies (Docker, Kubernetes) and CI/CD pipelines. SWIFT training certification or equivalent hands-on SWIFT messaging experience
  • Agile/Scrum development experience in fast-paced, regulated environments
  • Experience with C++ development


What's in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
  • A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable.
  • Leaders who support your development through coaching and managing opportunities.
  • Ability to make a difference and lasting impact.
  • Work in a dynamic, collaborative, progressive, and high-performing team.
  • A world-class training program in financial services.
  • Flexible work/life balance options.
  • Opportunities to do challenging work, including leveraging AI and SRE principles to drive innovation and operational excellence.

#LI-POST

Job Skills
Application Development, Application Integrations, Application Maintenance, Applications Architecture, Detail-Oriented, Enterprise Application Delivery, Group Problem Solving, Java (Programming Language), Programming Languages, Software Development Life Cycle (SDLC), System Applications

Additional Job Details

Address:

RBC CENTRE, 155 WELLINGTON ST W:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

CAPITAL MARKETS

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-02-24

Application Deadline:

2026-06-30
Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

About Royal Bank of Canada

Royal Bank of Canada Careers

Join the dynamic team at Royal Bank of Canada (RBC), a global leader in financial services and a company committed to excellence and innovation. At RBC, we offer a wide range of job opportunities that empower professionals to shape their career paths with leadership, diversity training, and continuous growth.

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At Royal Bank of Canada, we are not just hiring; we are building a culture of innovation and leadership. Our team members are at the forefront of the financial industry, driving transformation and delivering targeted solutions that meet the evolving needs of our clients and communities.

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Whether you are starting your career or looking to take it to the next level, RBC offers positions that challenge your skills and fuel your ambition. From entry-level positions to leadership roles, our job opportunities span across various functions and regions. Join us and be part of a team that values professional growth and diversity.

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Kickstart your career with an internship at Royal Bank of Canada. Our internships provide invaluable hands-on experience, networking opportunities, and insights into the financial services industry. Interns at RBC gain the skills necessary to excel and are often considered for full-time positions within the company.

Benefits and Culture

At RBC, we prioritize the well-being and satisfaction of our employees. Our benefits package is designed to support our team members at every stage of their life and career. RBC’s culture is built on a foundation of respect, integrity, and responsibility, fostering an environment where everyone can thrive.

Career Growth and Innovation

We believe in nurturing the potential of our employees through continuous learning and career development programs. At RBC, you will find endless opportunities to grow professionally through on-the-job experiences, formal training programs, and leadership development initiatives. Our commitment to innovation means we are constantly seeking out new ideas and perspectives, making RBC a perfect place for those who aim to lead and innovate.

Diversity and Inclusion

Diversity is our strength. At Royal Bank of Canada, we are committed to building an inclusive workplace where every employee feels valued and respected. Our diversity training programs are designed to educate and inspire, creating a more inclusive and equitable workplace.

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Search open positions that match your skills and interests. We look for passionate, curious, creative, and solution-driven team players. Start your journey with RBC today and be part of a world-class team known for its commitment to client service, community involvement, and innovation.

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Learn more about Royal Bank of Canada
Size
86,007 employees
Market Cap
$130.3 billion
Industry
5 Year Trend
+8.7%
NASDAQ

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