Senior Software Engineer, Apple Card & Savings

Apple • Cary, NC

1d

About The Position

The Apple Card & Savings team is building the financial products that put users in control of their money. We built Apple Card to reinvent how credit cards work, and we continue to launch groundbreaking features used by millions of people every day. We are looking for an experienced engineer who loves owning critical services end to end, takes pride in operational excellence, and thrives in a highly regulated environment where correctness, reliability, and compliance requirements shape every technical decision.

You'll design, build, test, deliver, and operate the distributed services that power Apple Card and Savings — from applications, accounts, and transactions to payments, savings transfers, rewards, and customer notifications. You'll be given the support of a talented team, access to modern technologies, and the autonomy to take full ownership of your work. Our team operates as DevOps: we build what we run. You'll be hands-on in every phase of the lifecycle — shipping changes safely through automated pipelines and controlled rollouts, participating in an on-call rotation, joining incident response and post-incident reviews, and automating away operational toil. You'll build reliable integrations with financial institution and payment network partners and with other Apple services such as Wallet, Apple Cash, and iCloud. As an experienced member of the team, you'll own features from specification through production, review code, contribute to technical design, write clear documentation, and help onboard and mentor teammates. Success in this role requires self-motivation, clear communication, a collaborative approach, and a commitment to 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 (idempotency, retries, timeouts, consistency trade-offs).
• Proficiency in a modern backend programming language (e.g. Kotlin, Java).
• Experience debugging production issues using logs, metrics, and traces, and implementing fixes and improvements.
• A testing-first mindset: experience writing thorough unit and integration tests and designing code for testability.
• Clear written and verbal communication, including explaining technical issues to non-engineering stakeholders and external partners.
• Experience using generative AI tools throughout the software development lifecycle.

Nice To Haves

• Production experience with Kotlin and Spring at high transaction volumes.
• Tuning JVM performance, managing connection pools, and maintaining API contracts.
• Experience in payments, banking, or other regulated financial domains.
• Experience with data correctness (reconciliation, audit trails) and compliance, consumer-protection, and privacy requirements.
• Experience with containerized, cloud-native services (e.g. Docker, Kubernetes, AWS), including multi-region resilience and failover.
• Experience with CI/CD, infrastructure as code, and safe release practices (e.g. canary deployments, feature flags, automated rollback).
• Experience with observability tools (e.g. Datadog, Splunk, OpenTelemetry), service level objectives (SLOs), and building actionable alerts.
• Experience with event-driven architectures and messaging (e.g. Kafka or equivalent event streaming).
• Experience with SQL/NoSQL databases at scale (e.g. Aurora, DynamoDB).
• Understanding of security and privacy fundamentals for protecting sensitive customer and financial data (e.g. mTLS, PKI and certificate lifecycle management, JWT).

Responsibilities

• Design, build, test, deliver, and operate distributed services powering Apple Card and Savings.
• Own features from specification through production.
• Review code and contribute to technical design.
• Write clear documentation.
• Help onboard and mentor teammates.
• Participate in an on-call rotation.
• Join incident response and post-incident reviews.
• Automate operational tasks.
• Build reliable integrations with financial partners and other Apple services.

What This Job Offers

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