Principal Engineer

Required Candidate Location: ONSITE/Jersey City 5 Days a Week - NO RELOCATION - CANDIDATES MUST HAVE RECENT LOCAL PROJECTS IN THE NY/NJ AREA.

seeking a Principal Engineer (10 Years) for our Card Services Technology organization. You will own the application architecture of our card network platforms - designing building and evolving the Python-based services that power Chases credit and debit card processing. Youll write production code set engineering standards and be accountable for the technical quality of software that processes billions of transactions annually. **** Candidates must Architect and develop Python microservices and APIs integrating with Visa Mastercard and debit networks (Interlink Pulse NYCE STAR) CANDIDATES MUST HAVE RECENT EXPERIENCE IN BANKING AND SUPPORTING CREDIT CARD PROJECTS

Job Description:

seeking a Principal Engineer for our Card Services Technology organization. You will own the application architecture of our card network platforms - designing building and evolving the Python-based services that power Chases credit and debit card processing. Youll write production code set engineering standards and be accountable for the technical quality of software that processes billions of transactions annually.

Responsibilities

• Architect and develop Python microservices and APIs integrating with Visa Mastercard and debit networks (Interlink Pulse NYCE STAR)
• Own application design across core domains: authorization clearing settlement dispute management and fraud
• Define data models event schemas and API contracts across card processing platforms
• Lead architecture reviews and produce ADRs for new capabilities and modernization efforts
• Build internal frameworks libraries and SDKs used across card technology teams
• Establish Python engineering standards - code structure testing CI/CD observability and API design
• Drive decomposition of legacy and mainframe-adjacent systems into clean service-oriented architectures
• Mentor staff and senior engineers on design patterns and software craftsmanship

Required Qualifications

• 10 years of software engineering; 5 years at principal-level or above
• Expert Python: FastAPI asyncio Pydantic SQLAlchemy pytest
• Strong application architecture background - microservices event-driven design DDD clean/hexagonal architecture
• Solid understanding of card network processing: authorization flows ISO 8583 clearing settlement chargebacks
• Experience building high-throughput low-latency distributed systems in production
• Proficiency with Kafka or equivalent async messaging patterns
• Strong written and verbal communication; able to align technical and business stakeholders

Preferred Qualifications

• Card network certification experience (Visa Mastercard PIN debit)
• Familiarity with tokenization (EMVCo) 3-D Secure or digital wallet integrations
• Cloud development on AWS GCP or Azure with Kubernetes/Docker
• Background modernizing legacy payment platforms
• Experience authoring enterprise-level engineering RFCs or technical standards

Tech Stack

Python FastAPI Pydantic SQLAlchemy Celery pytest Apache Kafka PostgreSQL Oracle Redis Kubernetes AWS Terraform GitHub Actions Splunk Dynatrace