Sr Full Stack Software Engineer - Digital Banking

American Express•Sunrise, FL

17h•$123,000 - $215,250

About The Position

American Express is hiring a Senior Full-Stack Software Engineer for its Digital Banking technology team and Control Tower platform. The team builds mission-critical tools supporting the safe and efficient operation of payment platforms and the development and operation of next-generation American Express financial products. The shared platform serves multiple products and tenants with distinct data, configuration, access, and operational requirements. This is a hands-on engineering role focused on designing and delivering capabilities across backend services, APIs, developer tooling, and operational user interfaces. The engineer will lead technical design and delivery of complex initiatives, contribute to platform direction, mentor engineers, and improve team standards and tooling. The role partners with product, architecture, operations, security, business, and engineering stakeholders to deliver secure, scalable, resilient, and high-quality platform services across the software development lifecycle. American Express offers a flexible working model, with hybrid, onsite, or virtual arrangements depending on role and business need. Employment eligibility to work in the United States is required; American Express will not pursue visa sponsorship for these positions. The expected salary range is determined in part by location, experience, and other job-related factors, but no range is provided in the posting.

Requirements

Track record of designing and delivering complex production systems as a senior engineer.
Strong experience with Java or Kotlin and the JVM ecosystem.
Experience with asynchronous, reactive, or event-driven programming.
Practical knowledge of domain-driven design, including bounded contexts, aggregates, domain services, domain events, and integration between domains.
Strong API design skills, including HTTP semantics, schema design, compatibility, idempotency, pagination, error models, and contract testing.
Sound understanding of distributed-systems concepts such as consistency, availability, partitioning, concurrency, ordering, retries, and failure recovery.
Experience building fault-tolerant and horizontally scalable services.
Experience with data modeling, transactions, caching, schema evolution, and safe data migrations.
Ability to benchmark systems, diagnose bottlenecks, and make evidence-based performance improvements.
Experience designing or operating systems that serve multiple tenants, products, or business units.
Understanding of tenant-isolation models and trade-offs between shared, partitioned, and dedicated infrastructure.
Experience enforcing tenant context across APIs, data access, background processing, events, caches, logs, and metrics.
Knowledge of identity, authentication, authorization, least privilege, and auditable access in multi-tenant systems.
Experience designing tenant-aware configuration, feature enablement, quotas, and lifecycle management without creating tenant-specific forks.
Ability to balance shared platform capabilities with the needs of individual products.
Experience identifying and preventing cross-tenant data exposure, resource contention, and configuration leakage.
Understanding of how tenant boundaries affect deployment, migration, monitoring, support, and incident response.
Strong JavaScript or TypeScript, HTML, and CSS skills.
Experience building production applications with React or a comparable component-based framework.
Experience with client-side architecture, state management, data fetching, error handling, and frontend testing.
Knowledge of semantic HTML, accessibility, responsive and adaptive design, and browser performance.
Ability to turn complex operational data into clear and usable interfaces.
Experience designing interfaces for real-time data, degraded states, partial results, and operational errors.
Hands-on experience with large language model-assisted development workflows and coding agents such as Codex, GitHub Copilot, Claude Code, or comparable tools.
Ability to give agents clear context, constraints, acceptance criteria, and verification steps for complex engineering work.
Experience using agents for implementation, testing, debugging, refactoring, documentation, code analysis, and repetitive development tasks.
Judgment to identify work that benefits from agent assistance and work requiring direct investigation or human decision-making.
Disciplined approach to reviewing generated code for correctness, security, performance, maintainability, and alignment with system architecture.
Understanding of common large language model failure modes, including incomplete context, incorrect assumptions, insecure suggestions, and plausible but invalid output.
Experience protecting source code, customer data, credentials, and other sensitive information when working with approved artificial intelligence development tools.
Ability to create repeatable agent workflows and share effective practices with other engineers.
Accountability for code and technical decisions produced with agent assistance.
Ability to lead technical design for complex initiatives while remaining directly involved in implementation.
Strong written and verbal communication skills.
Ability to make trade-offs visible and help a team reach decisions.
Experience mentoring engineers and improving the quality of designs, code, and operational practices.
Judgment to choose established approaches when they fit and introduce new technology only when it produces a clear benefit.
Ability to work through ambiguity while balancing delivery, safety, and collaboration.
Experience documenting technical decisions so engineers outside the original discussion can understand the context and constraints.
Ability to identify risks early, challenge assumptions, and adjust an approach when evidence shows it is not working.
Eligibility to work in the United States; American Express will not pursue visa sponsorship.

Responsibilities

Lead the design and implementation of full-stack platform capabilities, including domain models, backend services, APIs, and operational user interfaces.
Use domain-driven design to identify bounded contexts, define ownership, and separate business rules from infrastructure concerns.
Design APIs with clear contracts, consistent resource models, predictable error handling, idempotency, versioning, and backward compatibility.
Design multi-tenant capabilities with explicit boundaries for data, identity, configuration, workloads, and resource consumption.
Address tenant isolation, authorization, noisy-neighbor risks, quotas, tenant-aware observability, and safe tenant onboarding and migration.
Build distributed and event-driven systems that account for concurrency, ordering, consistency, retries, backpressure, partial failure, and delivery semantics.
Create processing and visualization components for real-time operational analysis.
Build accessible, responsive, and performant interfaces for operators and internal platform users.
Own services through production, including instrumentation, service-level objectives, capacity planning, incident response, and remediation.
Define testing strategies covering unit, integration, API contract, end-to-end, performance, and resilience testing.
Improve build, test, deployment, and release tooling through the continuous integration and delivery pipeline.
Use and improve large language model-assisted development workflows while maintaining engineering, security, and review standards.
Evaluate technology choices based on reliability, security, maintainability, developer productivity, and lifecycle cost.
Write technical proposals and explain architectural decisions, constraints, and trade-offs.
Mentor engineers through design reviews, code reviews, pairing, and technical guidance.
Work with product, operations, security, and engineering partners to turn business requirements into deliverable technical outcomes.
Take ownership of complex work and drive it to completion when requirements are incomplete or evolving.

Benefits

Competitive base salaries
Bonus incentives
6% company match on retirement savings plan
Free financial coaching and financial well-being support
Comprehensive medical, dental, vision, life insurance, and disability benefits
Flexible working model, with hybrid, onsite, or virtual arrangements depending on role and business need
20+ weeks of paid parental leave for all parents, regardless of gender, for pregnancy, adoption, or surrogacy
Free access to global onsite wellness centers staffed with nurses and doctors, depending on location
Free and confidential counseling support through the Healthy Minds program
Career development and training opportunities