Senior Software Engineer, Apple Card & Savings

Apple • New York, NY

1d

About The Position

The Apple Card & Savings team builds financial products intended to put users in control of their money. The team is seeking an experienced engineer to own critical services end to end and uphold operational excellence in a highly regulated environment where correctness, reliability, and compliance shape technical decisions.

The engineer will design, build, test, deliver, and operate distributed services supporting Apple Card and Savings, including applications, accounts, transactions, payments, savings transfers, rewards, and customer notifications. The team follows a DevOps model in which engineers build and operate the services they own. The role includes hands-on participation throughout the service lifecycle, shipping changes through automated pipelines and controlled rollouts, taking part in an on-call rotation, responding to incidents, reviewing incidents afterward, and reducing operational toil through automation.

The role also involves building reliable integrations with financial institution and payment network partners and Apple services such as Wallet, Apple Cash, and iCloud. The engineer will own features from specification through production, review code, contribute to technical design, write documentation, and help onboard and mentor teammates. Success calls for self-motivation, 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.
• Experience writing thorough unit and integration tests as a natural part of development and designing code with testability in mind.
• Clear written and verbal communication, including explaining technical issues to non-engineering stakeholders and external partners.
• Demonstrated initiative and ability to apply advanced skills to real-world applications; no formal degree is required.
• Experience using generative AI tools throughout the software development lifecycle to produce high-quality software.

Nice To Haves

• Production experience with Kotlin and Spring at high transaction volumes, including JVM performance tuning, connection-pool management, and maintaining API contracts across multiple concurrent client versions.
• Experience in payments, banking, or other regulated financial domains, including reconciliation, audit trails, and compliance, consumer-protection, and privacy requirements.
• Experience with containerized, cloud-native services such as Docker, Kubernetes, or 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, or OpenTelemetry, service level objectives (SLOs), and actionable alerting.
• Experience with event-driven architectures and messaging such as Kafka or equivalent event streaming, and SQL/NoSQL databases at scale such as Aurora or 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, deliver, and operate distributed services for Apple Card and Savings.
• Own services and features through their lifecycle, from specification to production.
• Ship changes safely using automated pipelines and controlled rollouts.
• Participate in an on-call rotation, incident response, and post-incident reviews.
• Automate operational toil and follow through on fixes and post-incident improvements.
• Build reliable integrations with financial institution and payment network partners and Apple services, including Wallet, Apple Cash, and iCloud.
• Review code and contribute to technical design.
• Write clear documentation.
• Help onboard and mentor teammates.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed