Sr Software Engineer - Digital Banking

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.

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.

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

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

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

PostgreSQL, MongoDB, Redis, Cassandra

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

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

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

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

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

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.

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.​

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.