Senior Engineer – Payments Technology

Bank of America•Addison, IL

3d•Onsite

About The Position

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for defining and leading the engineering approach for complex features to deliver significant business outcomes. Key responsibilities of the job include delivering complex features and technology, enabling development efficiencies, providing technical thought leadership based on conducting multiple software implementations, and applying both depth and breadth in a number of technical competencies. Additionally, this job is accountable for end-to-end solution design and delivery. This role is accountable for end‑to-end technical ownership of complex, mission‑critical payment systems. We are seeking a seasoned senior engineer with deep payments industry experience and a proven record of designing, building, and operating large‑scale systems in production—not a mid‑career engineer with future potential. The ideal candidate is hands‑on, technically authoritative, and comfortable making high‑impact decisions in regulated, high‑availability environments. This role requires strong leadership through influence, the ability to mentor senior engineers, and the discipline to deliver at scale. We are building the next generation of wire and real‑time payment processing platforms. This position blends architecture, engineering execution, and technical leadership, with direct responsibility for solution design, build, deployment, and operational excellence. You will lead cross‑functional engineering teams, define technical direction, and deliver complex features across Java‑based microservices, event-driven architectures, and cloud‑hosted platforms. This role desires candidates with prior hands‑on experience in payments systems (Wire, ACH, RTP) and comfort operating in high‑volume, highly regulated production environments.

Requirements

This role requires deep, proven experience. Candidates without significant production experience in payments systems will not be considered.
15+ years' of professional software engineering experience
10+ years' operating as a senior engineer or technical lead
5+ years of hands‑on domain experience in payments systems
Demonstrated success delivering large‑scale, distributed systems in production
Experience leading engineering efforts across multiple teams and releases (PIs)
Leadership & Influence
Proven ability to lead without formal authority
Strong mentoring and coaching skills for senior engineers
Experience presenting technical strategies and tradeoffs to senior leadership
Excellent written and verbal communication skills, including design documentation
AI & Modern Engineering Practices
Expert user of AI-assisted development tools (e.g., Microsoft Copilot, Claude, ChatGPT)
Experience integrating AI/ML capabilities into engineering workflows or platforms
Practiced in using AI responsibly to improve productivity, quality, and decision‑making
Agile & Delivery Mindset
Significant experience working in Agile / SAFe environments
Comfortable delivering across multiple Program Increments
Strong ownership mindset with accountability for outcomes—not just designs
Ability to navigate ambiguity and make sound technical decisions quickly
Technical Expertise (Hands‑On Required)
Java (Enterprise / Core), Spring Boot, Spring Batch
Microservices and REST APIs
Event‑driven architectures using Kafka and RabbitMQ
Python for batch processing, automation, or data workloads
Oracle Database, PL/SQL, and database performance tuning (including Exadata)
Strong understanding of distributed systems, fault tolerance, and scalability patterns
CI/CD and DevOps tooling (e.g., Jenkins, Git, JFrog, Ansible)
Cloud‑hosted platforms: AWS, Azure, or OpenShift (designing and running production workloads)
Proven experience applying BDD and TDD in production systems
Strong grasp of security, compliance, and regulatory constraints in financial services

Nice To Haves

ISO 20022 messaging standards
Finacle or similar core banking platforms
Experience in payment rails such as ACH, Wires, P2P Payments
Observability tooling (Splunk, Prometheus, Grafana)
Experience optimizing cloud cost and performance
Contributions to open‑source or technical communities

Responsibilities

Ensures that the design and engineering approach for complex features are consistent with the larger portfolio solution
Define the technology tool stack for the solution and evaluate and adapt new testing tool/framework/practices for team(s)
Enables team(s)/applications with Continuous Integration/Continuous Development (CI/CD) capabilities and engages with other technical stakeholders pertaining to efficient functioning of CI-CD pipeline
Guides and influences team(s) on design and best practices for high code performance –e.g. pairing, code reviews
Provides end-to-end delivery of complex features, including automation, for either a single team or multiple teams, at the program level
Conducts research, design prototyping and other exploration activities such as evaluating new toolsets and components for release management, CI/CD, and features
Works with stakeholders to establish high-level solution needs and with architects for technical requirements
Developing and delivering complex requirements to accomplish business goals.
Ensuring that software is developed to meet functional, non functional, and compliance requirements.
Codes solutions, unit tests, and ensures the solution can be integrated successfully into the overall application/system with clear, robust and well tested interfaces.
Own and lead the end‑to-end design and delivery of complex, enterprise‑scale payment capabilities
Define and enforce engineering standards, patterns, and best practices across teams
Serve as the technical authority and escalation point for complex production issues
Guide architecture decisions across microservices, APIs, messaging, and data platforms
Drive high code quality through hands‑on reviews, pairing, and design forums
Enable and optimize CI/CD pipelines, DevOps practices, and automated testing
Lead design for resiliency, performance, scalability, security, and compliance
Collaborate closely with product, architecture, security, and operations teams
Mentor senior engineers and raise the technical maturity of the organization
Actively contribute code in critical areas when needed