Senior Software Engineer – Digital Banking

American Express

. Design, develop, and maintain backend services for Digital Banking platforms supporting high transaction volume, security, scalability, and reliability .

Posted 10/6/2026full-timePhoenix • Arizona • United StatesSenior💰 $123,000 - $215,250 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong backend engineering capabilities with expertise in Java and its frameworks, focusing on building scalable, reliable, and secure digital banking solutions. Proficient in distributed systems design, REST APIs, and modern CI/CD practices, while providing technical mentorship and fostering collaborative engineering environments.

Highest-signal resume keywords

Java Backend EngineeringDistributed Systems DesignREST API DevelopmentSpring Framework ExpertiseTechnical Mentorship

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

JavaSpringSpring BootREST APIsKafkaPostgreSQLMongoDBDockerCI/CDPerformance Optimization

Soft Skills

CommunicationMentoringProblem-SolvingCollaborationLeadership

Tools & Technologies

JenkinsGradleMavenJUnitGitHubHadoopSparkCloud-Native ArchitectureDevOpsGenAI

Industry Keywords

Digital BankingPayment SystemsFintech APIsHigh AvailabilityLow-Latency ServicesEvent-Driven WorkflowsAgile DevelopmentService ContractsData/ReportingObservability

Tech Stack

Tools & technologies

AWSCloudDistributed SystemsDockerGradleHadoopJavaJenkinsJUnitKafkaMavenMicroservicesMongoDBNoSQLPostgresPythonSparkSpringSpring BootSpringBoot

About the role

Key responsibilities & impact

Design, develop, and maintain backend services for Digital Banking platforms supporting high transaction volume, security, scalability, and reliability
Lead distributed systems design across service decomposition, asynchronous communication, fault tolerance, idempotency, backpressure, consistency trade-offs, and graceful degradation
Build Java microservices, REST APIs, batch jobs, and event-driven workflows
Contribute to workflow implementations and champion workflow orchestration best practices
Participate in hands-on design and development within an agile team, contributing to architecture, code quality, delivery execution, and operational readiness
Ensure platforms are safely extensible, scalable, observable, reliable, and aligned to SLAs
Design testable, intuitive, maintainable solutions that are easy for engineering teams to operate
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 and help teams overcome complex problems while raising engineering standards
Document system operation and simplify complex services for teams to operate and evolve

Requirements

What you’ll need

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
Experience mentoring, coaching, and influencing engineers while remaining hands-on with design and development
Strong expertise with Docker, GitHub capabilities, and deployment automation
Experience with 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 accountability
GenAI experience is a preferred differentiator
Big plus: LLM-powered applications, prompt engineering, structured outputs, tool/function calling, RAG, embeddings, vector search, reranking, relevance tuning, GenAI guardrails, AWS services, cloud-native architecture, DevOps, governance practices, and platform architecture
Excellent written and verbal communication skills with the ability to partner across engineering, product, architecture, and operations

Benefits

Comp & perks

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
Visa sponsorship may be provided for certain positions