Staff Software Engineer/ Opening Banking (US)

TD • Mount Laurel, NJ

1d • Onsite

About The Position

Additional Details: 7+ years of software engineering experience, including technical leadership on customer‑facing platforms Proven experience building or leading chatbots / conversational platforms at enterprise scale Strong system design and architecture skills for scalable, resilient, real‑time systems Experience integrating chat platforms with backend systems via secure APIs Hands‑on knowledge of AI / LLM‑enabled chat (intent detection, response generation, or similar) Experience designing deterministic, rules‑based chat flows for regulated use cases Strong understanding of secure coding practices, authentication/authorization, and data protection Experience working in highly regulated environments (banking, financial services, healthcare, etc.) Ability to implement monitoring, logging, testing, and reliability patterns for production systems Proven ability to lead, mentor, and collaborate across product, security, and compliance teams Depth & Scope: Extensive understanding of the business supported and the overall Bank with deep expertise and specialized knowledge of technology concepts, technical environment, direction and related technology / tools Provides technical guidance, direction or expertise to others as a Senior Specialist or top technical lead on significant and complex development / design issues that may impact transformational technology or cross business strategic initiatives Works autonomously on highly complex project/ issues which are diverse in scope and/or multi-faceted and often provides leadership and direction to the team Foresee issues and gaps and identifies emerging industry trends (i.e. future-focused) Education & Experience: Undergraduate degree, Post Graduate degree or Technical Certificate Strong academic background (e.g., computer science, engineering) Graduate degree nice to have 7-10 years relevant experience Customer Accountabilities: Executes on Engineering strategy as it relates to the introduction of tools and the automation of build, test, release and configures activities across Application, Platform and Infrastructure Leads the creation of solution options and ultimately a comprehensive end-to-end solution and coordinate relevant stakeholders, as required to support development initiatives; following a "build it, break it, fix it mentality". Is responsible for developing and documenting detailed solution design and act as an application SME through the design and development lifecycle ensuring alignment with Architecture Is accountable for complex applications/systems development, programming /coding Develops functional, technical and user interface designs for an application / system that meets the defined requirements (business, enterprise architecture direction, system performance and development standards) Consults on development of requirements and specifications and apply functional knowledge of business functions to design optimal software / systems Reviews technical deliverables throughout detailed design and development phase to ensure quality adherence and identify gaps or redesign requirements as needed Identifies, recommends, sources, negotiates and implements improvements/ solutions (buy/build/reuse) to enhance customer experience, availability, and/or reduce cost in support of client needs Works with Technology partners to define metrics and performance goals for the application Identifies and addresses application and data issues and cross-capability and cross-release issues that affect application integrity Researches/analyzes business requirements to evaluate and recommend optimal solutions within business technology architecture; collects environment requirements for infrastructure implementation by analyzing the current system environment, using technical tools and utilities Works with Architects to ensure that environment modifications interact appropriately, data conversion impacts are considered, and other areas of impact are addressed and meet performance requirements of the project Contributes to the advancement of the TD engineering practice through strong collaboration, research, analytic, and problem-solving skills Shareholder Accountabilities: Adheres to enterprise frameworks or methodologies that relate to software engineering activities Ensures respective programs/ policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities Collaboratively engages with relevant stakeholders at all levels, both internal and external, to shift from finding defects to proactively preventing defects Actively seeks and supports continuous improvement and automation opportunities within the engineering practice Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices Identify opportunities to minimize cost, provide recommendations and/or deliver corresponding strategic solutions to support cost effectiveness and to enhance stakeholder experience Conducts code reviews to ensure adherence to quality, standards compliance, reusability and ease of maintenance, Operational Readiness Reviews, and supporting gating and review sign-offs for solution design Monitors service, productivity and assesses efficiency levels within own function and implement continuous process / performance improvements where opportunities exists Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements Protects the interests of the organization – identifies and manage risks, and escalates non-standard, high risk activities as necessary Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest Provides thought leadership and/ or industry knowledge for quality engineering best practices and participates in knowledge transfer within the team and business unit Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques Participates in personal performance management and development activities, including cross training within own team Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities Actively mentors and enables team members by sharing knowledge and leveraging engineering best practices Supports the team by providing guidance and proactively identifying and resolving issues Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships Contributes to a fair, positive and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected]. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. US Labor & Employment Posters | California Privacy | Accessibility | FAQ Our Values At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific

Requirements

• 7+ years of software engineering experience, including technical leadership on customer‑facing platforms
• Proven experience building or leading chatbots / conversational platforms at enterprise scale
• Strong system design and architecture skills for scalable, resilient, real‑time systems
• Experience integrating chat platforms with backend systems via secure APIs
• Hands‑on knowledge of AI / LLM‑enabled chat (intent detection, response generation, or similar)
• Experience designing deterministic, rules‑based chat flows for regulated use cases
• Strong understanding of secure coding practices, authentication/authorization, and data protection
• Experience working in highly regulated environments (banking, financial services, healthcare, etc.)
• Ability to implement monitoring, logging, testing, and reliability patterns for production systems
• Proven ability to lead, mentor, and collaborate across product, security, and compliance teams
• Undergraduate degree, Post Graduate degree or Technical Certificate
• Strong academic background (e.g., computer science, engineering)
• 7-10 years relevant experience

Nice To Haves

• Graduate degree nice to have

Responsibilities

• Executes on Engineering strategy as it relates to the introduction of tools and the automation of build, test, release and configures activities across Application, Platform and Infrastructure
• Leads the creation of solution options and ultimately a comprehensive end-to-end solution and coordinate relevant stakeholders, as required to support development initiatives; following a "build it, break it, fix it mentality".
• Is responsible for developing and documenting detailed solution design and act as an application SME through the design and development lifecycle ensuring alignment with Architecture
• Is accountable for complex applications/systems development, programming /coding
• Develops functional, technical and user interface designs for an application / system that meets the defined requirements (business, enterprise architecture direction, system performance and development standards)
• Consults on development of requirements and specifications and apply functional knowledge of business functions to design optimal software / systems
• Reviews technical deliverables throughout detailed design and development phase to ensure quality adherence and identify gaps or redesign requirements as needed
• Identifies, recommends, sources, negotiates and implements improvements/ solutions (buy/build/reuse) to enhance customer experience, availability, and/or reduce cost in support of client needs
• Works with Technology partners to define metrics and performance goals for the application
• Identifies and addresses application and data issues and cross-capability and cross-release issues that affect application integrity
• Researches/analyzes business requirements to evaluate and recommend optimal solutions within business technology architecture; collects environment requirements for infrastructure implementation by analyzing the current system environment, using technical tools and utilities
• Works with Architects to ensure that environment modifications interact appropriately, data conversion impacts are considered, and other areas of impact are addressed and meet performance requirements of the project
• Contributes to the advancement of the TD engineering practice through strong collaboration, research, analytic, and problem-solving skills
• Adheres to enterprise frameworks or methodologies that relate to software engineering activities
• Ensures respective programs/ policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities
• Collaboratively engages with relevant stakeholders at all levels, both internal and external, to shift from finding defects to proactively preventing defects
• Actively seeks and supports continuous improvement and automation opportunities within the engineering practice
• Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices
• Identify opportunities to minimize cost, provide recommendations and/or deliver corresponding strategic solutions to support cost effectiveness and to enhance stakeholder experience
• Conducts code reviews to ensure adherence to quality, standards compliance, reusability and ease of maintenance, Operational Readiness Reviews, and supporting gating and review sign-offs for solution design
• Monitors service, productivity and assesses efficiency levels within own function and implement continuous process / performance improvements where opportunities exists
• Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues
• Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
• Protects the interests of the organization – identifies and manage risks, and escalates non-standard, high risk activities as necessary
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest
• Provides thought leadership and/ or industry knowledge for quality engineering best practices and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Actively mentors and enables team members by sharing knowledge and leveraging engineering best practices
• Supports the team by providing guidance and proactively identifying and resolving issues
• Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Benefits

• Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level