Sr Software Engineer - Digital Banking

Job Description

Joining Amex Tech means discovering and shaping your contribution to something big. Here, you can work alongside talented tech teams and build a unique career with the Powerful Backing of American Express. With a range of opportunities to work with the latest technologies, and a commitment to back the broader engineering community through open source, our mission is to power your success.

Because Amex Tech is powered by our technology, our culture, and our colleagues.

The Technology organization enables and accelerates the company’s growth strategies, delivering global capabilities and services in support of Amex’s customers and colleagues, while maintaining 24/7 servicing and availability to ensure an uninterrupted, high-quality customer experience.

Technology provides the foundation for everything we do in the company while driving differentiation through building and leveraging innovative technology and data insights.

The U.S. Consumer Services and Membership Digital Experiences Technology team (USCDT) brings together foundational strategic technology capabilities in digital experience engineering (Mobile and Web), marketing and advertising technology, enterprise communications, travel and lifestyle, and dining technology.

It employs a ground-breaking focus with development responsibilities for customer-facing capabilities that deepen and expand digital engagement, as well as core technical capabilities that cut across business lines and customer segments.

Joining the Digital Banking technology team means shaping secure, scalable, and resilient banking capabilities that support customer-facing financial experiences. In this role, you will apply deep backend engineering expertise across the software development lifecycle while partnering with product, architecture, operations, and business stakeholders to deliver high-quality platform services.

The Digital Banking platform focuses on accelerating financial innovation and enabling new banking products while maintaining high availability, resilience, observability, and engineering quality. The team builds and modernizes backend services, APIs, event-driven workflows, and integration patterns that support reliable delivery at scale.

As part of the team, you will work in a culture focused on engineering excellence, shared ownership, and continuous improvement. You will stay hands-on while influencing architecture, mentoring engineers, and partnering across product and business teams to deliver secure, customer-facing financial capabilities.

Responsibilities

• Design, develop, and maintain backend services for Digital Banking platforms that support high transaction volume, security, scalability, and reliability.
• Lead distributed systems design across service decomposition, asynchronous communication, fault tolerance, idempotency, backpressure, consistency of trade-offs, and graceful degradation.
• Build Java microservices, REST APIs, batch jobs, and event-driven workflows using modern engineering patterns.
• Contribute to workflow implementations and champion workflow orchestration best practices across services.
• Engage in hands-on design and development as part of a nimble agile team, contributing to architecture, code quality, delivery execution, and operational readiness.
• Ensure platforms are safely extensible, scalable, observable, reliable, and aligned to SLAs for internal and external users.
• Design solutions that are testable, intuitive, maintainable, and easy for engineering teams to operate over time.
• Actively participate in design reviews, code reviews, and engineering discussions for key components and cross-enterprise initiatives.
• Partner with stakeholders to translate business capabilities into secure, performant, and maintainable technical solutions.
• Provide technical mentorship to engineers, help teams overcome complex problems, and raise engineering standards across the team.

Qualifications

• Strong hands-on backend engineering experience with Java and its frameworks.
• Extensive hands-on experience building distributed applications and operating scalable, low-latency services across complex enterprise environments.
• Strong understanding of REST APIs, JSON, XML, service contracts, integration patterns, and API lifecycle practices.
• Hands-on experience with Spring, Spring Boot, Spring Batch, JUnit, JDBC, Gradle/Maven, Jenkins, and modern CI/CD practices.
• Experience with Kafka or similar streaming/event-driven technologies; Kafka Streams experience is highly desirable.
• Practical knowledge of distributed systems, caching, high availability techniques, multi-threading, and performance analysis.
• Experience with relational and NoSQL databases such as PostgreSQL, MongoDB, and similar data platforms.
• Commitment to continuous integration, automated/repeatable testing, secure coding practices, and collaborative engineering environments.
• Ability to think abstractly, work through ambiguous problems, and enable business capabilities through pragmatic technical decisions.
• Excellent written and verbal communication skills with the ability to partner across engineering, product, architecture, and operations.
• Experience mentoring, coaching, and influencing engineers while remaining hands-on with design and development.

You Have Strong Expertise With The Following

• Docker, Github capabilities, and deployment automation in modern platform environments.
• Payment systems, real-time transaction platforms, customer account management, data/reporting, or fintech APIs.
• Full-stack development exposure and/or Data side experience with Python, Hadoop, or Spark.
• Experience with in-memory computing solutions and advanced performance optimization techniques.
• Leadership experience in a fast-paced development environment, including technical ownership, design facilitation, and delivery of accountability.
• The primary focus of this role is core backend engineering. GenAI experience is a preferred differentiator for candidates who can apply AI responsibly in regulated enterprise environments.

Big Plus If You Have

• Exposure to LLM-powered applications, prompt engineering, structured outputs, or tool/function calling.
• Familiarity with Retrieval-Augmented Generation patterns such as ingestion, chunking, embeddings, vector search, reranking, and relevance tuning.
• Awareness of GenAI guardrails, evaluation approaches, hallucination mitigation, PII handling, prompt injection risks, and data leakage controls.
• Experience with AWS services such as EC2, RDS, S3, and SQS, along with cloud-native architecture and DevOps practices.
• Experience working with governance practices such as data governance, secure data access, shared schemas, service contracts, auditability, compliance controls, and risk-aware engineering in regulated environments.
• Experience contributing to platform architecture across shared services, APIs, identity, payments, partner ecosystems, data governance, and modernization efforts.

Core Technology Stack

Area

Technologies / Capabilities

Backend

Java (JDK 17-25), Spring frameworks, Spring Boot, REST / RPC APIs, Reactive frameworks

Build & Test

JUnit, Gradle, Maven, Jenkins, GitLab, CI/CD, automated testing

Data

PostgreSQL, MongoDB, Redis, Cassandra

Streaming

Kafka, Kafka Streams, event-driven architecture, workflow orchestration

Platform

Docker, high availability, distributed systems design, fault tolerance, resiliency patterns, observability, performance analysis

Good-to-have GenAI

LLM apps, RAG, embeddings, vector search, tool/function calling, MCP concepts, AI guardrails

Good-to-have Cloud / DevOps

AWS EC2, RDS, S3, SQS, cloud-native architecture, DevOps practices

Good-to-have Governance

Data governance, secure data access, shared schemas, service contracts, auditability, compliance controls, risk-aware engineering

Good-to-have Platform Architecture

Shared services, APIs, identity, payments, partner ecosystems, data governance, modernization

• At the core of Software Engineering, you should demonstrate:
• Reliable backend delivery that improves speed-to-market for Digital Banking products.
• Architecture quality, code quality, testing discipline, and operational readiness across the software development lifecycle.
• Demonstrates strong judgment in distributed systems of trade-offs, including latency, throughput, consistency, scalability, and failure of recovery.
• Balances hands-on delivery with technical leadership, mentorship, and cross-team collaboration.
• Designs pragmatic, scalable solutions that support business growth while meeting security, compliance, and reliability expectations.
• A passion for documenting how systems work and making complex services easier for teams to operate and evolve.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

About Us

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

About The Team

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries
• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
• Free and confidential counseling support through our Healthy Minds program
• Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.

American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.

For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture.

Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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The below represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.