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 end‑to‑end technical ownership of complex, mission‑critical payment systems. We are seeking a seasoned senior engineer with deep payments industry experience and a proven record of designing, building, and operating large‑scale systems in production—not a mid‑career engineer with future potential. The ideal candidate is hands‑on, technically authoritative, and comfortable making high‑impact decisions in regulated, high‑availability 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 real‑time 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 cross‑functional engineering teams, define technical direction, and deliver complex features across Java‑based microservices, event‑driven architectures, and cloud‑hosted platforms. This role desires candidates with prior hands‑on experience in payments systems (Wire, ACH, RTP) and comfort operating in high‑volume, 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 end‑to‑end design and delivery of complex, enterprise‑scale 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 hands‑on 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 hands‑on domain experience in payments systems Demonstrated success delivering large‑scale, 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 decision‑making Agile & Delivery Mindset Significant experience working in Agile / SAFe environments Comfortable delivering across multiple Program Increments Strong ownership mindset with accountability for outcomes—not just designs Ability to navigate ambiguity and make sound technical decisions quickly Technical Expertise (Hands‑On Required) Java (Enterprise / Core), Spring Boot, Spring Batch Microservices and REST APIs Event‑driven 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) Cloud‑hosted 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 open‑source or technical communities What We Are Not Looking For Mid‑level engineers seeking growth into a senior role Candidates without direct, hands‑on 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: 1st shift (United States of America) Hours Per Week: 40 Bank of America is committed to help employees through the transition period when they’re displaced as a result of a workforce reduction, realignment or similar measure. Please review the resume writing and interviewing tips provided below to help prepare you for your next career opportunity. Getting started Regardless of the position you are interested in, the starting points to building your resume are the same: 1. Determine the job or types of jobs you want to do and research their responsibilities and qualifications. 2. Think about why you can do the job and make a list of your skills that are relative to the job. 3. Identify experiences or accomplishments that show your proficiency in the skills required for the job. 4. Summarize your abilities, accomplishments and skills into a brief, concise document. Considerations when writing a resume • Do be brief. Resumes should be 1-2 pages in length. • Do be upbeat and active in your wording. • Do emphasize what you have done clearly and concretely. • Do be neat and well organized. • Do have others proofread and critique your resume. Spell check. Make it error free. • Do use high quality, white or light colored 8½ x 11 paper. Use a laser printer if possible. • Don't be dishonest, always tell the truth about yourself in the most flattering light. • Don't include salary history or requirements. • Don't include references. • Don't include accomplishments that do not support your professional goals. • Don't include anything that isn't relevant. (For example, don't mention your fondness for swimming unless you want to work on the water.) • Don't use italics, underlining, shadows or other fancy treatments. Seven steps to a successful interview 1. Anticipate –Put yourself in the interviewer's position. What do you believe the interviewer is most interested in? Why do you think you have been invited to interview? 2. Research –What are the primary functions of the line of business? What are the success factors for the job? Is there a job description available? 3. Assess –Think about your skills, abilities, knowledge, interests, traits, values and accomplishments. Match them to what you know about the job. Consider which ones you should highlight. 4. Prepare Answers –Think about what the interviewer may ask, determine what the best answer is and write it down. 5. Prepare Questions – Interviewing is a two-way street. By asking thoughtful questions, you communicate your interest and learn a lot about the job. Choose two or three questions to ask your interviewer. Avoid asking a lot of questions about vacation time or breaks. 6. Practice – It may seem awkward, but it is the best way to come across well in an interview. Practice your own "great responses" with others or in front of a mirror until you appear relaxed and at ease. 7. Follow-up – Send a brief follow-up letter to the interviewer. Keep in mind that the many job searchers will not send a follow-up letter. Sending one can become a competitive advantage. 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