QA Engineer - Payments

Role Summary

We are seeking a Test Automation Engineer – Payments to drive automation-led quality assurance across global payments transformation and modernization programs. The role focuses on designing, developing and maintaining automated test frameworks for high-volume, real-time and cross-border payment systems.

The ideal candidate will have strong experience in automating end-to-end payment workflows, API integrations and message transformations across domestic and international payment schemes such as SWIFT, SEPA, ACH, RTP, FedNow and ISO 20022 (MX/MT).

This role will work closely with Product Owners, Business Analysts, DevOps teams and Engineering teams to embed automation into CI/CD pipelines and accelerate high-quality delivery across both BAU and change initiatives.

Key responsibilities

1. Test Automation Strategy & Framework Development

• Design and implement scalable automation frameworks for payment processing systems and APIs.
• Develop automated test scripts for payment initiation, routing, screening, settlement and reconciliation flows.
• Automate validation of ISO 20022 (MX) message transformations, schema compliance and mapping logic (MX - MT).
• Build reusable libraries for testing APIs, microservices and message-based integrations.
• Contribute to automation strategy for modernization programs and platform migrations.

2. API & Integration Automation

• Automate testing of payment APIs using tools such as RestAssured, Postman, Karate, or equivalent.
• Validate message formats including MT/MX, XML, JSON and downstream system integrations.
• Develop automation for STP validation, exception handling, retries and fallback mechanisms.
• Automate reconciliation accuracy, intraday liquidity impacts and operational reporting validation.

3. CI/CD & DevOps Integration

• Integrate automation suites into CI/CD pipelines (Jenkins, GitLab, Azure DevOps or equivalent).
• Enable continuous testing for real-time and high-throughput payment platforms.
• Support containerized test execution environments (Docker/Kubernetes exposure preferred).
• Collaborate with DevOps teams to ensure automation supports rapid release cycles.

4. Performance, Resilience & Reliability Testing

• Support automation for performance, volume and resilience testing of payment engines.
• Develop scripts for high-volume and real-time transaction simulations.
• Validate coexistence scenarios where legacy and modern payment systems operate in parallel.

5. Controls, Compliance & Risk Validation

• Automate validation of AML, sanctions screening and regulatory controls embedded in payment workflows.
• Ensure auditability and traceability of automated test execution.
• Support compliance testing for cross-border and domestic payment schemes.

6. Agile Delivery & Collaboration

• Participate in sprint planning, backlog refinement and release validation.
• Track defects, support root-cause analysis and collaborate with engineering teams on resolution.

Contribute to automation metrics, coverage tracking and continuous improvement initiatives.

Skills required -

• 6–10 years of experience in QA/Automation roles within payments, transaction banking or financial services.
• Strong hands-on experience in automation frameworks such as Selenium, RestAssured, Karate, Cypress or similar.
• Proficiency in Java or Python for automation scripting.
• Experience testing payment processing systems, APIs and integration flows.
• Strong understanding of payment lifecycles and schemes (SWIFT, SEPA, ACH, RTP, FedNow, ISO 20022).
• Familiarity with message formats (MT/MX), XML/JSON parsing and validation tools.
• Experience with CI/CD pipelines and DevOps practices.
• Exposure to performance testing tools (JMeter, LoadRunner or similar) is a plus.
• Understanding of reconciliation processes, exception handling and operational risk controls.
• Strong analytical skills and ability to work across business, QA and engineering teams.