Senior Engineer – Payments Technology

Job Description:

At Bank of America we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients teammates communities and shareholders every day.

Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace attracting and developing exceptional talent supporting our teammates physical emotional and financial wellness recognizing and rewarding performance and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Bank of America you can build a successful career with opportunities to learn grow and make an impact. Join us!

Job Description:
This job is responsible for defining and leading the engineering approach for complex features to deliver significant business outcomes. Key responsibilities of the job include delivering complex features and technology enabling development efficiencies providing technical thought leadership based on conducting multiple software implementations and applying both depth and breadth in a number of technical competencies. Additionally this job is accountable for end-to-end solution design and delivery.

This role is accountable for endtoend technical ownership of complex missioncritical payment systems. We are seeking a seasoned senior engineer with deep payments industry experience and a proven record of designing building and operating largescale systems in productionnot a midcareer engineer with future potential.

The ideal candidate is handson technically authoritative and comfortable making highimpact decisions in regulated highavailability environments. This role requires strong leadership through influence the ability to mentor senior engineers and the discipline to deliver at scale.

We are building the next generation of wire and realtime payment processing platforms. This position blends architecture engineering execution and technical leadership with direct responsibility for solution design build deployment and operational excellence.

You will lead crossfunctional engineering teams define technical direction and deliver complex features across Javabased microservices eventdriven architectures and cloudhosted platforms. This role desires candidates with prior handson experience in payments systems (Wire ACH RTP) and comfort operating in highvolume highly regulated production environments.

Responsibilities:

• Ensures that the design and engineering approach for complex features are consistent with the larger portfolio solution
• Define the technology tool stack for the solution and evaluate and adapt new testing tool/framework/practices for team(s)
• Enables team(s)/applications with Continuous Integration/Continuous Development (CI/CD) capabilities and engages with other technical stakeholders pertaining to efficient functioning of CI-CD pipeline
• Guides and influences team(s) on design and best practices for high code performance e.g. pairing code reviews
• Provides end-to-end delivery of complex features including automation for either a single team or multiple teams at the program level
• Conducts research design prototyping and other exploration activities such as evaluating new toolsets and components for release management CI/CD and features
• Works with stakeholders to establish high-level solution needs and with architects for technical requirements
• Developing and delivering complex requirements to accomplish business goals.
• Ensuring that software is developed to meet functional non functional and compliance requirements.
• Codes solutions unit tests and ensures the solution can be integrated successfully into the overall application/system with clear robust and well tested interfaces.
• Own and lead the endtoend design and delivery of complex enterprisescale payment capabilities
• Define and enforce engineering standards patterns and best practices across teams
• Serve as the technical authority and escalation point for complex production issues
• Guide architecture decisions across microservices APIs messaging and data platforms
• Drive high code quality through handson reviews pairing and design forums
• Enable and optimize CI/CD pipelines DevOps practices and automated testing
• Lead design for resiliency performance scalability security and compliance
• Collaborate closely with product architecture security and operations teams
• Mentor senior engineers and raise the technical maturity of the organization
• Actively contribute code in critical areas when needed

Required Qualifications:

This role requires deep proven experience. Candidates without significant production experience in payments systems will not be considered.

• 15 years of professional software engineering experience
• 10 years operating as a senior engineer or technical lead
• 5 years of handson domain experience in payments systems
• Demonstrated success delivering largescale distributed systems in production
• Experience leading engineering efforts across multiple teams and releases (PIs)

Leadership & Influence

Proven ability to lead without formal authority Strong mentoring and coaching skills for senior engineers Experience presenting technical strategies and tradeoffs to senior leadership Excellent written and verbal communication skills including design documentation

AI & Modern Engineering Practices

Expert user of AI-assisted development tools (e.g. Microsoft Copilot Claude ChatGPT) Experience integrating AI/ML capabilities into engineering workflows or platforms Practiced in using AI responsibly to improve productivity quality and decisionmaking

Agile & Delivery Mindset

Significant experience working in Agile / SAFe environments Comfortable delivering across multiple Program Increments Strong ownership mindset with accountability for outcomesnot just designs Ability to navigate ambiguity and make sound technical decisions quickly

Technical Expertise (HandsOn Required)

Java (Enterprise / Core) Spring Boot Spring Batch Microservices and REST APIs Eventdriven architectures using Kafka and RabbitMQ Python for batch processing automation or data workloads Oracle Database PL/SQL and database performance tuning (including Exadata) Strong understanding of distributed systems fault tolerance and scalability patterns CI/CD and DevOps tooling (e.g. Jenkins Git JFrog Ansible) Cloudhosted platforms: AWS Azure or OpenShift (designing and running production workloads) Proven experience applying BDD and TDD in production systems Strong grasp of security compliance and regulatory constraints in financial services

Desired Qualifications:

• ISO 20022 messaging standards
• Finacle or similar core banking platforms
• Experience in payment rails such as ACH Wires P2P Payments
• Observability tooling (Splunk Prometheus Grafana)
• Experience optimizing cloud cost and performance
• Contributions to opensource or technical communities

What We Are Not Looking For

• Midlevel engineers seeking growth into a senior role
• Candidates without direct handson payments industry experience
• Pure architects without recent coding and delivery responsibility

Skills:

• Automation
• Influence
• Result Orientation
• Stakeholder Management
• Technical Strategy Development
• Application Development
• Architecture
• Business Acumen
• Risk Management
• Solution Design
• Agile Practices
• Analytical Thinking
• Collaboration
• Data Management
• Solution Delivery Process

Shift:

Hours Per Week: