Associate Developer/Systems Engineer
About the job
- A university degree in computer science or a related field.
- One to four years of experience in systems development and software programming.
- Hands-on experience in C++ and/or Java development and scripting.
- Familiarity with building HTTP- and TCP/IP-based applications.
- Proficiency in XML and JSON parsing methods and system performance tuning.
- Familiarity with Agile tools including Jenkins, JIRA, Artifactory, and Confluence.
- Ability to use AI toolsets for software development.
- Exposure to C++, templates, Boost libraries, gRPC, and multithreaded application development.
- Experience building networked applications.
- Exposure to debuggers, memory leaks, and system performance tuning.
- Knowledge of security technologies including PKI, HMAC, AES, digest algorithms, and SSL.
- Exposure to databases, storage technologies, and RHEL systems.
- Analyze requirements for developing new features and shareable components across multiple applications.
- Develop applications using C++, Java, the Standard Template Library, Boost, and Linux in Docker environments.
- Articulate and implement complex requirements for application development.
- Use AI tools for development, integration, testing, and documentation.
- Align with Swift security guidelines and coding standards.
- Conduct performance tests to ensure applications handle high efficiency.
- Collaborate with multifunctional teams to implement solutions.
- Expand test automation and help ensure quality in different test environments.
About the company
SWIFT is a cooperative owned by thousands of banks that provides a secure, standardized messaging network for international finance. It does not move money itself; it moves the information about transactions using the SWIFTNet platform, with a single global language for messages like payments and securities. It connects more than 11,000 institutions in 200+ countries and handles millions of messages every day, offering a common format and reliable delivery. Its goal is to enable secure, automated exchange of financial information worldwide to support the flow of money between banks.
Company Size
5,001-10,000
Company Stage
N/A
Total Funding
N/A
Headquarters
La Hulpe, Belgium
Founded
1973
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Simplify's Take
What believers are saying
- July 2026 ledger activation with 17 banks proves real institutional demand.
- September 2026 pay-by-alias pilots make SWIFT more useful for consumer remittances.
- Over 100 banks joined the new payments framework, signaling broad adoption momentum.
What critics are saying
- Visa B2B Connect, Mastercard Move, stablecoins, and instant rails steal corridor-by-corridor volume.
- Banks testing Swift's ledger can route tokenized deposits through IBM, ACI, or others.
- If retail cross-border schemes stall, SWIFT remains legacy messaging while rivals own end-users.
What makes Swift unique
- SWIFT connects 12,500 institutions across 200 markets, embedding itself in bank workflows.
- Its ISO 20022 standards and compliance rails survive even as banks add tokenized deposits.
- The 2026 blockchain ledger extends SWIFT's existing network, not a detached newcomer platform.
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Benefits
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
401(k) Retirement Plan
401(k) Company Match
Hybrid Work Options
Company News
Cosmos reveals connectivity to Swift's ledger. September 29th, 2026 Cosmos unveils connectivity to Swift's ledger for 24/7 payments. This move enhances cross-border transaction capabilities for banks. Quick take. Summary is AI generated, newsroom reviewed. * Cosmos connects banks to Swift's ledger for seamless payments. * The new tokenization suite supports 24/7 cross-border transactions. * This integration could streamline global financial operations. Sponsored: BiggerZ - 50% Lossback for VIPs + 99% RTP Originals + Instant Rakeback Play Now Cosmos has announced a significant development, revealing its connectivity to Swift's ledger, enabling banks to facilitate 24/7 cross-border payments. This integration allows banks to connect their tokenized deposit ledgers with Swift's network while maintaining existing settlement arrangements. As highlighted by the tweet from @cosmos, this advancement could revolutionize how banks manage international transactions and improve overall efficiency. Breaking it down. In recent market context, the broader cryptocurrency landscape is displaying mixed signals, with varying momentum across different assets. The announcement from Cosmos comes at a time when financial institutions are increasingly looking for innovative solutions to enhance transaction efficiency. By integrating with Swift's ledger, Cosmos positions itself as a crucial player in the evolving landscape of cross-border payments, which could attract significant interest from banks seeking to modernize their operations. The essentials. * Cosmos connects banks to Swift's ledger for 24/7 cross-border payments. The integration allows banks to use tokenized deposit ledgers. Existing settlement arrangements will remain intact. This move aims to streamline international financial operations. Cosmos emphasizes the importance of financial infrastructure in its strategy. Price action breakdown. Currently, Cosmos is trading at $0, with no reported volume over the past 24 hours. This lack of trading activity might suggest that the market is awaiting further developments following the announcement. However, the integration with Swift could attract renewed interest and activity in the Cosmos ecosystem as banks explore new ways to leverage blockchain technology for their payment systems. Cosmos is a decentralized network designed to facilitate interoperability among different blockchains. Its recent integration with Swift is significant because Swift is a leading provider of secure financial messaging services, widely used by banks globally. This collaboration positions Cosmos as a pivotal player in enhancing the efficiency of cross-border payments. What to watch. Traders are likely watching how this integration will impact Cosmos's adoption among financial institutions. If banks begin to widely implement this technology, Coinfomania could see increased trading activity and interest in Cosmos. Additionally, observers will be monitoring for any shifts in market sentiment regarding blockchain solutions in traditional banking, which could have broader implications for the cryptocurrency market.
Swift tests pay-by-alias cross-border payments with global banks. Swift and a group of banks, payment schemes and technology providers are working on a pay-by-alias model intended to make international transfers feel more like domestic instant payments. The initiative would let consumers send money abroad using identifiers such as a mobile phone number, email address or virtual payment address instead of entering a recipient's bank-account details, according to Swift's September 28 announcement. Participants include Australian Payments Plus, Commonwealth Bank of Australia, DBS, IDFC FIRST Bank, Banco de Credito del Peru, Banorte, BBVA, Bizum, Bradesco, CaixaBank, Citizens Bank, Ouribank, TerraPay and Veritran. How the model would work. The proposed approach would connect familiar identifiers already held in domestic payment systems with international transactions carried over Swift. A sender could select a recipient through an alias, while the participating infrastructure would match that identifier to the appropriate account information. Swift said the work draws on systems including Bizum in Spain, PayID in Australia and Pix in Brazil. Australian Payments Plus describes PayID as a mobile number, email address, Australian Business Number or organization identifier linked to a bank account. Domestic PayID transfers are initiated through a user's bank rather than a separate consumer app. For the cross-border project, participating institutions will need to address how aliases are resolved across jurisdictions, how customers are authenticated, and how banks meet privacy, fraud, sanctions-screening and other compliance requirements. Swift did not give a launch date, name initial payment corridors or say when customers would be able to use the service. The announcement therefore describes an industry initiative and proof-of-concept work, not a generally available product. Building on a broader consumer-payments framework. The pay-by-alias project is the next phase of Swift's consumer payments framework, which was introduced in June. Swift said more than 100 financial institutions are live or preparing to go live with that framework, which is designed to provide upfront information on costs and foreign-exchange rates as well as faster settlement. Swift also said 75 percent of payments on its network reach the receiving bank within 10 minutes. That figure measures arrival at the beneficiary bank, not necessarily final credit to the customer's account. Swift has separately reported that most journey time is often spent in the domestic last mile after a payment leaves its network. The new initiative focuses on the front end of that journey by reducing the information a sender has to collect and enter. It is distinct from Swift's blockchain-based ledger for tokenized deposits, although both efforts are part of the cooperative's broader work on cross-border payments. Swift says its network connects more than 12,500 institutions across 200 markets. The pay-by-alias work is intended to operate over that bank-led infrastructure rather than replace participating institutions' customer channels or domestic instant-payment systems. Asia-Pacific institutions join the initiative. Asia-Pacific participants include Australian Payments Plus, Commonwealth Bank of Australia, Singapore-headquartered DBS and India's IDFC FIRST Bank. Their involvement gives the project access to institutions operating across domestic instant-payment environments and international banking networks. Swift quoted Australian Payments Plus Chief Executive Lynn Kraus as saying the opportunity is to extend the simplicity Australians already associate with PayID to cross-border transfers. Swift did not disclose each participant's technical role or whether all members will test direct connections between their domestic schemes. The project comes as financial authorities continue to push for faster, cheaper, more transparent and more inclusive international payments. The Financial Stability Board's cross-border payments program identifies speed, cost, access and transparency as the main challenges facing the market. For Swift and its partners, the next test will be whether alias-based addressing can work across multiple regulatory regimes and payment systems without weakening the verification and compliance controls expected of international transfers.
Morehead casts Ripple as a SWIFT rival, not a replacement. In Ripple news, Pantera's Dan Morehead said Ripple is going after SWIFT, naming a competitive target, not predicting a replacement. By Daniel Francis Edited by Fatima 2 seconds ago Updated 2 seconds ago 3 mins read In the latest Ripple news, Pantera Capital founder Dan Morehead appeared on CNBC's Squawk Box. During the segment, he said that "there might be other use cases, you know, like Ripple's going after SWIFT." The remark frames Ripple as a competitor for part of the cross-border payments market. It does not say Ripple will replace SWIFT, has already displaced it, or has captured any measurable share of its activity. That distinction matters, because Morehead's wording has already been stretched far beyond what it supports. SWIFT, formally the Society for Worldwide Interbank Financial Telecommunication, remains the dominant global network for cross-border payment messaging between financial institutions. Morehead named a target, not a timetable. Ripple news: what did Pantera's Dan Morehead actually say on CNBC? The comment came during a broader survey of blockchain use cases. Morehead said Solana's capacity could reach as many as 9 billion transactions per day. He also described Bitcoin as "digital gold." Ripple came up as a separate category. He presented it as a network aimed at a narrower financial function, rather than a store of value or a high-throughput settlement layer. At no point in the quoted segment did Morehead give a market-share figure or a replacement date. Nor did he claim SWIFT's role has already been eclipsed. His phrasing, "there might be other use cases," points to a survey of competitive positioning, not a forecast. Can Ripple really compete with SWIFT, and where does XRP fit? Ripple has spent years building faster, cheaper alternatives to traditional correspondent banking. In that system, a transfer can pass through several intermediary banks and take days to clear. Ripple says its cross-border payments platform supports real-time payouts in more than 60 markets. That is a company claim, though, not independent evidence that SWIFT is being displaced. Ripple's infrastructure ambitions are a long-term goal, not a statement of present-day replacement. SWIFT, meanwhile, works mainly as a messaging system rather than a settlement network. It has kept modernizing its own rails, even as Ripple, stablecoins and central bank digital currencies compete for a share of global payment flows. There is another nuance worth noting in this Ripple news cycle. Ripple's enterprise blockchain products largely operate independently of XRP. That matters for anyone reading Morehead's comment as a signal about token price rather than corporate strategy. What does "going after SWIFT" Mean for XRP holders? The clip spread fast among XRP holders. But it is mostly social-media commentary, not evidence. It also comes against a difficult backdrop for XRP. The token's price faced years of pressure from the SEC's December 2020 lawsuit, which alleged XRP was an unregistered security. In 2023, the case was partially resolved in Ripple's favor on retail sales. Morehead's remarks cast Ripple as an emerging alternative, or a complementary layer, to existing payment rails. They do not cast it as a replacement. Ripple's own discussion of its settlement-rail strategy echoes that framing. Whether this positioning turns into lasting momentum for XRP, rather than just for Ripple's enterprise business, is still unanswered. Ripple's other recent CNBC appearances show the same pattern. Each round of Ripple news draws institutional attention, but none has settled the question. Disclaimer: Coinspeaker is committed to providing unbiased and transparent reporting. This article aims to deliver accurate and timely information but should not be taken as financial or investment advice. Since market conditions can change rapidly, Coinspeaker encourage you to verify information on your own and consult with a professional before making any decisions based on this content. Daniel Frances is a technical writer and Web3 educator specializing in macroeconomics and DeFi mechanics. A crypto native since 2017, Daniel leverages his background in on-chain analytics to author evidence-based reports and deep-dive guides. He holds certifications from The Blockchain Council, and is dedicated to providing "information gain" that cuts through market hype to find real-world blockchain utility.
Montran Africa appoints two senior executives as Nairobi hub expands. Montran has appointed two senior professionals to its Africa operations in Nairobi. This is as the global payments and capital markets infrastructure provider expands its presence across the continent. The company has named Josephat Amani Iseme as Regional Technical Sales Lead and Nicolas Muchiri as Senior Software Engineer and Team Lead at Montran Africa. The appointments bring together experience in banking, payment systems and software engineering. This is as the company looks to strengthen its ability to develop and support financial infrastructure for banks, central banks and payment schemes across Africa. Josephat Iseme joins Montran Africa from SWIFT. Iseme brings more than 20 years of experience in banking and payments across Africa. He started his career at KCB Bank Group in Kenya, where he rose to Senior Manager, Technology Applications & Asset Management. He later joined SWIFT as a Senior Technical Sales Expert for EMEA, where he was involved in technical strategy and customer engagement across 43 countries in Sub-Saharan Africa. His experience includes payment platform modernisation, payments interoperability and the implementation of ISO 20022 for domestic and cross-border payment systems. Iseme has worked with central banks, financial institutions and regional payment schemes and previously served as Chairperson of the Kenya SWIFT User Group. He holds a Bachelor of Science degree in Communication and Information Technology from Edith Cowan University in Australia. At Montran Africa, Iseme will lead technical sales for financial institution solutions across the region, working with banks, central banks and payment schemes on payment and capital market infrastructure projects. Nicolas Muchiri. Muchiri joins Montran Africa with about 10 years of experience in software engineering across banking, fintech and enterprise technology. Before joining Montran, he was a Senior Software Engineer at Equity Bank, where he worked on financial technology systems. He has also held positions at Software Group, Nathan Claire Africa and CompuLynx. His technical experience covers backend development using Java, Kotlin and Node.js, as well as mobile development using Android and Flutter. Muchiri also has experience in cloud infrastructure and DevOps, including Microsoft Azure, AWS, Docker, Kubernetes and CI/CD. He holds a Bachelor's degree in Computer Science from Moi University. At Montran Africa, Muchiri will lead the software engineering team responsible for developing, implementing, adapting and supporting solutions across the company's product portfolio. He will also work with Montran's engineering teams globally to deliver and support systems for clients in the region. Montran expands its Nairobi operations. Montran launched its Africa regional hub in Nairobi in December 2025 under Regional Executive Director Wohoro Ndohho. The company says the Nairobi office is intended to bring its teams closer to customers across the continent. It will also support faster delivery of financial infrastructure solutions tailored to local markets. Montran already provides systems supporting national and regional financial infrastructure in several African markets. Ndohho said the latest appointments are intended to strengthen the connection between customer requirements and the development and deployment of financial technology systems. "Montran Africa was built to physically move us closer to the institutions we serve, and closer also means moving faster from strategy to delivery," said Ndohho. He said Iseme's experience and relationships with banks, central banks and payment schemes would support the company's technical sales operations, while Muchiri's banking and engineering experience would strengthen its ability to build and support client systems. The company plans to continue hiring technical sales and engineering professionals across Sub-Saharan Africa as it expands its regional operations. The appointments come as African financial institutions continue to modernise payment infrastructure, improve interoperability and adopt technologies and standards such as ISO 20022.
IBM has announced two beta capabilities for its digital banking infrastructure. The company now enables financial institutions to connect IBM Digital Asset Haven to Swift's blockchain-based shared ledger for tokenized deposit transactions using standard ISO 20022 messages. Seventeen first-mover institutions are piloting the service, which allows 24/7 digital asset movement ahead of final settlement. Additionally, IBM is extending Digital Asset Haven to on-premises deployment, allowing organisations to manage digital assets entirely within their own data centers on IBM Z and IBM LinuxONE infrastructure. The platform features 99.999999% availability and hardware-backed security using IBM Crypto Express HSMs. According to J.P. Morgan Payments, 93% of financial institutions are modernising their payments infrastructure to handle cross-border transactions and digital assets more efficiently.