Senior Software Engineer, Apple Card & Savings

Apple•New York City, NY

About The Position

The Apple Card & Savings team builds financial products designed to give users control of their money. The Senior Software Engineer will design, build, test, deliver, and operate distributed services powering Apple Card and Savings, including applications, accounts, transactions, payments, savings transfers, rewards, and customer notifications. The role owns critical services end to end in a highly regulated environment where correctness, reliability, and compliance shape technical decisions. The team follows a DevOps model: engineers build and operate what they run. The engineer will work across the service lifecycle, ship changes through automated pipelines and controlled rollouts, participate in an on-call rotation, respond to incidents, conduct post-incident reviews, and automate operational toil. The role also involves building reliable integrations with financial institution and payment network partners and Apple services such as Wallet, Apple Cash, and iCloud. An experienced team member owns features from specification through production, reviews code, contributes to technical design, writes clear documentation, and helps onboard and mentor teammates. Success requires initiative, clear communication, collaboration, engineering excellence, and continuous improvement.

Requirements

Solid experience building and operating production distributed systems, including services supported on call.
Strong understanding of distributed systems fundamentals, including idempotency, retries, timeouts, and consistency trade-offs.
Proficiency in a modern backend programming language, such as Kotlin or Java.
Experience debugging production issues using logs, metrics, and traces, and following through on fixes and post-incident improvements.
A testing-first mindset, including experience writing thorough unit and integration tests and designing code with testability in mind.
Clear written and verbal communication, including explaining technical issues to non-engineering stakeholders and external partners.
No formal degree is required; the posting emphasizes mindset, initiative, and demonstrated ability to apply advanced skills to real-world applications.

Nice To Haves

Experience using generative AI tools throughout the software development lifecycle to produce high-quality software.
Production experience with Kotlin and Spring at high transaction volumes, including tuning JVM performance, managing connection pools, and maintaining API contracts across multiple concurrent client versions.
Experience in payments, banking, or other regulated financial domains, including data correctness such as reconciliation and audit trails, and working within compliance, consumer-protection, and privacy requirements.
Experience with containerized, cloud-native services such as Docker, Kubernetes, and AWS, including multi-region resilience and failover.
Experience with CI/CD, infrastructure as code, and safe release practices such as canary deployments, feature flags, and automated rollback.
Experience with observability tools such as Datadog, Splunk, and OpenTelemetry; SLOs; and actionable alerts that detect issues before customers or partners do.
Experience with event-driven architectures and messaging such as Kafka or equivalent event streaming, and SQL/NoSQL databases at scale such as Aurora and DynamoDB.
Understanding of security and privacy fundamentals for protecting sensitive customer and financial data, such as mTLS, PKI and certificate lifecycle management, and JWT.

Responsibilities

Design, build, test, and operate distributed backend services powering Apple Card and Savings features at scale.
Ship changes safely through automated pipelines and controlled rollout strategies, including canary deployments and feature flags.
Own on-call reliability for services, lead incident response end to end, and conduct post-incident reviews that produce lasting remediation.
Own the reliability and correctness of integrations with financial institution partners and payment networks, define SLOs, and lead remediation when targets are breached.
Own features end to end, from specification and technical design through production operation.
Review code and contribute to technical design discussions, raising the quality bar across the team.
Write thorough unit and integration tests and design code with testability as a first-class concern.
Automate operational toil to improve reliability and reduce manual intervention.
Author clear technical documentation for services, APIs, and operational runbooks.
Mentor and onboard new teammates, sharing knowledge and best practices.