Financial Services Technology Consulting, Financial Risk Technology (FRT) Engineering - Senior

EY•Atlanta, GA

1d•$102,500 - $213,400•Hybrid

About The Position

Our Financial Services ("FSO") teams help clients address complex transformation priorities across Banking, Insurance and Capital Markets. This opportunity combines Insurance Risk, Credit Risk and Capital Markets technology expertise with modern engineering to deliver high-impact enterprise transformation programs. Financial institutions are modernizing risk, finance and trading platforms to improve scalability, transparency, control and responsiveness. The role supports cloud-native risk platforms, analytical and model-execution engines, regulatory and actuarial processing, and front-to-back modernization across front-office, middle-office and back-office functions. Key capabilities include pricing and positions, pre-trade and counterparty risk, Value at Risk (VaR), stress testing, sensitivities, XVA, clean P&L, hypothetical P&L, actual P&L, P&L attribution, settlement, reconciliation and regulatory reporting. As a Senior Technology Consultant, you will be a hands-on member of the engineering team, working with architects, managers, business stakeholders, traders, risk teams, actuaries, model developers and operations teams. You will translate functional and analytical requirements into reliable software components, data pipelines, cloud services and integration solutions across trading, risk, finance and operations.

Requirements

Strong software-engineering fundamentals with the ability to understand risk-domain requirements.
Ability to solve technical problems, communicate design choices and work effectively in multidisciplinary teams.
Commitment to engineering quality, automated testing, documentation and continuous improvement.
Strong written and verbal communication skills.
Insurance Risk Management
Actuarial Modeling Platforms
Reserving and Capital Models
Solvency Frameworks
Risk Aggregation and Reporting
Insurance Data Platforms
Reinsurance Processing
CECL / IFRS 9
Credit Portfolio Analytics
Probability of Default (PD)
Loss Given Default (LGD)
Exposure at Default (EAD)
Credit Stress Testing
Regulatory Capital
Counterparty Credit Risk
Basel Frameworks
CCAR
CECL
FRTB
Basel III / IV
XVA
Market Risk
Liquidity Risk
Asset and Liability Management (ALM)
Front-office trading, pricing, position management and pre-trade risk platforms
Middle-office risk, controls, trade validation, valuation and P&L processes
Back-office confirmations, settlement, accounting, reconciliation and regulatory reporting
Value at Risk (VaR), stress testing, sensitivities and market-risk analytics
XVA, including counterparty credit and funding valuation adjustments
Clean P&L, hypothetical P&L, actual P&L and P&L attribution
Front-to-back modernization and integration across trading, risk, finance and operations
Java (advanced or expert proficiency)
Python
Scala and/or C++
Spring Boot and REST APIs
Object-oriented design and design patterns
Multithreaded development
High-performance computing
DAG-based workflow engines
Distributed architectures and grid computing
Parallel and large-scale batch processing
Risk calculation platforms
Event streaming and pub/sub architectures
Apache Kafka, AWS MSK and/or Azure Event Hubs
Event-driven design patterns
AWS: ECS, EKS, Lambda, S3, DynamoDB, EC2, AWS Batch and CloudFormation
Azure: Azure Kubernetes Service, Azure Event Hubs, Azure Data Lake and Azure Functions
MongoDB
PostgreSQL
SQL Server
Oracle
Apache Spark
Databricks
Distributed data processing
Data governance
Data reconciliation
Risk data warehousing
Docker
Kubernetes
GitHub
CI/CD pipelines
Terraform
Infrastructure as Code
5+ years of software engineering experience, including 3+ years contributing to risk, finance, insurance or analytical technology solutions.
Delivery experience in Insurance, Banking or Capital Markets.
Working knowledge of Credit Risk, Insurance Risk or regulatory risk frameworks.
Hands-on experience developing cloud-native applications, distributed processing solutions or data platforms.
Proficiency in Java and working knowledge of Python; exposure to Scala or C++ is beneficial.
Experience with automated testing, CI/CD, source control and modern software-delivery practices.
Undergraduate or graduate degree in computer science, engineering, mathematics, actuarial science, finance or a related field.

Nice To Haves

Capital Markets products and front-to-back trade lifecycle knowledge
Front-office trading systems, including pricing, positions and pre-trade risk
Distributed computing and high-performance processing architectures
Advanced Java development, including multithreading and concurrency
Databricks and/or Snowflake data platforms
Redis and/or GridGain-style distributed caching solutions
Agentic AI and risk automation
Retrieval-Augmented Generation (RAG) architectures
LangChain
Model Context Protocol (MCP) frameworks
Prior consulting experience is preferred.

Responsibilities

Contribute to the design, development and modernization of Insurance and Credit Risk platforms.
Translate business, regulatory, actuarial and analytical requirements into technical designs and implementation tasks.
Develop components for front-to-back Capital Markets modernization across front-office trading and pricing, middle-office risk and controls, and back-office settlement, accounting and reconciliation.
Implement and enhance capabilities supporting VaR, stress testing, sensitivities, XVA, counterparty risk, clean P&L, hypothetical P&L, actual P&L and P&L attribution.
Build components supporting Credit Risk Management, CECL / IFRS 9, CCAR stress testing, Expected Credit Loss, portfolio analytics, regulatory reporting, insurance modeling and reserving, and liquidity or balance-sheet risk.
Participate in solution reviews and recommend improvements for maintainability, performance and scalability.
Develop cloud-native services supporting model execution, analytical workloads and risk calculations.
Implement distributed processing, workflow orchestration and event-driven integration patterns.
Optimize application and data-processing performance through profiling, testing and engineering improvements.
Apply platform standards for resiliency, scalability, observability, security and supportability.
Develop and maintain data models supporting Insurance and Credit Risk calculations.
Build data pipelines and integration services across risk engines, data lakes and operational systems.
Implement controls supporting lineage, governance, auditability, data quality and reconciliation.
Deliver high-quality software through design, development, unit testing, code review and technical documentation.
Collaborate effectively with onshore and offshore teams across architecture, development, data, testing and platform engineering.
Participate in design reviews, sprint planning, estimation, defect resolution and production-readiness activities.
Share technical knowledge and provide guidance to junior engineers when appropriate.