Principal Software Engineer, Fintech

At T-Mobile we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant employee stock purchase plan 401(k) and access to free year-round money coaches. Thats how were UNSTOPPABLE for our employees!

Are you ready to shape the future of financial technology at the Un-carrier

Were building the next generation of payments money movement and digital financial services that serve millions of customers every day. As a Principal Software Engineer in Fintech youll be a hands-on technical leader driving architecture scalability and innovation across real-time payment systems data pipelines and compliance-ready financial platforms.

Youll mentor engineers influence architecture across multiple domains and ensure our systems are resilient observable and secure. Youll partner with Product Compliance and Risk teams to deliver financial experiences that are fast transparent and trustworthy all while embodying the bold innovative spirit of the Un-carrier.

What Youll Do

Technical Leadership

• Lead the architecture and implementation of scalable event-driven financial systems supporting payments settlements and reconciliations.
• Drive adoption of modern Java microservice patterns using Spring Boot RESTful APIs and contract-first design (OpenAPI).
• Champion observability and production excellence ensuring deep traceability resilience and performance across distributed systems.
• Mentor engineers across teams establish best practices in design reviews testing and secure development.
• Partner with cross-functional leaders in Product Compliance and Security to align technology with business and regulatory needs.
• Serve as an expert resource in Fintech system design security and cloud-native delivery.

Technology Strategy

• Define and evolve the Fintech engineering roadmap balancing innovation with compliance scalability and reliability.
• Evaluate emerging financial technologies and guide adoption of event streaming data analytics and automation frameworks.
• Quantify technical decisions with clear ROI cost and risk trade-offs; align architecture with long-term platform objectives.
• Contribute to engineering standards API governance and rollout/rollback strategies across the organization.

Innovation & Delivery

• Design and optimize batch and streaming data pipelines for settlements reporting and reconciliation using AWS Glue Snowflake and Kafka/EventBridge.
• Automate infrastructure delivery via Kubernetes (EKS) Docker Helm Terraform and enforce strong pod and IAM security policies.
• Implement robust CI/CD and quality frameworks with Maven SonarQube and progressive delivery (blue/green canary).
• Lead incident response and RCA processes for complex production issues; codify learnings into reusable automations and runbooks.
• Contribute to intellectual property creation through innovative financial system design.

Documentation & Communication

• Produce high-quality documentation of system architecture APIs and operational processes.
• Communicate complex technical concepts clearly to both engineering and executive stakeholders.
• Foster a learning culture through brown-bags technical workshops and mentoring.

What You Bring

Must-Have Technology & Fintech Knowledge

• Java Microservices: Java 11 Spring Boot RESTful APIs OpenAPI backward-compatible versioning.
• Eventing & Schemas: Kafka or AWS EventBridge; schema registry with compatibility rules.
• Data & Caching: PostgreSQL DynamoDB Redis S3; clear transaction boundaries; performance-minded SQL/NoSQL design.
• Batch & Scheduling: Spring Batch / AWS Batch / Quartz; resilient retryable restartable jobs.
• ETL / ELT: AWS Glue (Jobs Workflows Crawlers Data Catalog); Snowflake (Snowpipe Streams & Tasks RBAC masking performance tuning).
• Kubernetes Delivery: Docker/Helm on EKS; HPA pod security Terraform automation.
• CI/CD & Quality: Maven SonarQube; unit/integration/performance testing; SAST/DAST; dependency governance; blue/green and canary deployment.
• Observability: OpenTelemetry traces/metrics/logs; Splunk dashboards and alerts; end-to-end correlation across services.
• Production Excellence: On-call leadership; JVM debugging (jstack jmap); RCA facilitation and preventive automation.
• Cybersecurity (hands-on): OAuth2/OIDC JWT hardening mTLS; IAM least-privilege; secrets rotation (KMS/Secrets Manager); OWASP Top 10/CWE mitigations; Kubernetes hardening.
• Engineering Practices: Rigorous code and design reviews pair/mob programming API governance rollout and rollback strategies.
• Fintech Domain Experience (Required):
  • Strong experience with Payments and Money Movement (e.g. ledgers settlements reconciliation disputes).
  • Exposure to Risk & Compliance workflows such as KYC/KYB/AML orchestration sanctions screening or fraud prevention.
  • Understanding of financial data handling and auditability (retention masking observability).

Nice-to-Have Broader Fintech Domain

• Open Banking: Financial-grade API (FAPI) Financial Data Exchange (FDX) account opening and management.
• Regulatory Reporting & Data Residency: Data retention and auditability patterns.
• Ecosystem Familiarity: Processors identity and fraud vendors and partner integration models.

Education & Experience

• Bachelors degree in Computer Science Software Engineering or related field (required).
• 7-10 years of software engineering experience with increasing scope and technical leadership.
• Demonstrated experience leading architecture or platform modernization in regulated or financial systems.

Why Join Us

At T-Mobile innovation isnt optional its our identity. Youll join a team where engineering excellence meets financial transformation. Were redefining whats possible in Fintech by combining carrier-scale systems modern cloud architecture and a culture built on transparency ownership and customer obsession.

Be part of something bold. Be Un-carrier.

• At least 18 years of age
• Legally authorized to work in the United States

Travel:
Travel Required (Yes/No): Yes

DOT Regulated:
DOT Regulated Position (Yes/No): No
Safety Sensitive Position (Yes/No): No

Base Pay Range: $133500 - $240700

Corporate Bonus Target: 20%

The pay range above is the general base pay range for a successful candidate in the role. The successful candidates actual pay will be based on various factors such as work location qualifications and experience so the actual starting pay will vary within this range.

At T-Mobile employees in regular non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus based on their role. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employees eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance. To find the pay range for this role based on hiring location T-Mobile our benefits exemplify the spirit of One Team Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases offering medical dental and vision insurance a flexible spending account 401(k) employee stock grants employee stock purchase plan paid time off and up to 12 paid holidays - which total about 4 weeks for new full-time employees and about 2.5 weeks for new part-time employees annually - paid parental and family leave family building benefits back-up care enhanced family support childcare subsidy tuition assistance college coaching short- and long-term disability voluntary AD&D coverage voluntary accident coverage voluntary life insurance voluntary disability insurance and voluntary long-term care insurance. We dont stop there - eligible employees can also receive mobile service & home internet discounts pet insurance and access to commuter and transit programs! To learn about T-Mobiles amazing benefits check out.

Never stop growing!
As part of the T-Mobile team you know the Un-carrier doesnt have a corporate ladderits more like a jungle gym of possibilities! We love helping our employees grow in their careers because its that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity youre living our values while investing in your career growthand we applaud it. Youre unstoppable!

T-Mobile USA Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age race ethnicity color religion creed sex sexual orientation gender identity or expression national origin religious affiliation marital status citizenship status veteran status the presence of any physical or mental disability or any other status or characteristic protected by federal state or local law. Discrimination retaliation or harassment based upon any of these factors is wholly inconsistent with how we do business and will not be tolerated.

Talent comes in all forms at the Un-carrier. If you are an individual with a disability and need reasonable accommodation at any point in the application or interview process please let us know by emailing or calling 1-. Please note this contact channel is not a means to apply for or inquire about a position and we are unable to respond to non-accommodation related requests.