Lead Cloud Software Developer - (AWS / AI / Real Time Payment Systems)

Bank of Montreal; Toronto; On-site; CAD 97,000 - 207,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

Bank of Montreal seeks an experienced Lead Cloud Software Developer to design, build, and support secure real-time payment systems. You will leverage AWS serverless technologies, event-driven architectures, and GitHub-based DevOps practices to deliver mission-critical payment solutions.

Responsibilities include cloud-native development, API design, high availability, and regulatory compliance within a banking environment. Strong focus on security, observability, and CI/CD enablement.

Qualifications

• 5-7+ years of software development and a related degree or equivalent experience.
• 3+ years of AWS cloud development experience.
• 2+ years of serverless architecture experience.
• Experience in financial services/payments fintech or banking.

Responsibilities

• Design and develop cloud-native applications using AWS serverless services.
• Build event-driven microservices for real-time payment processing.
• Implement secure REST APIs and asynchronous messaging.
• Develop highly resilient payment services with sub-second processing.
• Optimize performance, scalability, and reliability of applications.

Skills

Cloud Native

Distributed Systems

Event-Driven

Payments Domain

GitHub/DevOps

Python/TypeScript/Node.js

Security & Compliance

Education

Bachelor's degree or equivalent

Tools

AWS Lambda

API Gateway

EventBridge

SQS/SNS

Step Functions

DynamoDB

Aurora PostgreSQL

CloudWatch

Secrets Manager

KMS

WAF

Job description

Application Deadline

10/11/2026

Address

33 Dundas Street West

Job Family Group

Technology

Role Overview

We are seeking an experienced Lead Cloud Software Developer to design, build, and support secure, scalable, highly available, and resilient real-time payment systems. The ideal candidate will bring deep expertise in AWS serverless technologies, event-driven architecture, cloud-native application development, and GitHub-based DevOps practices.

Primary Focus

This role is responsible for delivering mission-critical solutions across real-time payment networks and modern banking ecosystems, including:

• Real-Time Payments (RTP)
• Open Banking integrations
• ISO 20022-based payment ecosystems

Core Capabilities

The position requires a strong understanding of distributed systems, cloud architecture, API development, CI/CD automation, security, resiliency, and operational excellence within a regulated financial services environment. Drives the overall software development lifecycle including working across functional teams to transform requirements into features, managing development teams and processes, and conducting software testing and maintenance. Specific project areas of focus includes translating user requirements into technical specifications, writing code and managing the preparation of design specifications. Supports system design, provides advice on security requirements and debugs business systems and service applications. Applies deep knowledge of algorithms, data structures and programming languages to develop high quality technology applications and services - including tools, standards, and relevant software platforms based on business requirements. Translates user needs into technical specifications by understanding, conceptualizing, and facilitating technical requirements from user. Analyzes, develops, tests, and implements new software programs, and documentation of entire software development life cycle execution. Performs preventative and corrective maintenance, troubleshooting and fault rectification of system and core software components. Ensures that code/configurations adhere to the security, logging, error handling, and performance standards and non-functional requirements. Evaluates new technologies for fit with the program/system/eco-system and the associated upstream and downstream impacts on process, data, and risk. Follows release management processes and standards and applies version controls. Assists in interpreting and documentation of client requirements. Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus. Provides specialized consulting, analytical and technical support. Exercises judgment to identify, diagnose, and solve problems within given rules. Works independently and regularly handles non-routine situations. Broader work or accountabilities may be assigned as needed. Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Key Responsibilities

• Cloud Native Development: Design and develop cloud-native applications using AWS Serverless services.
• Build event-driven, loosely coupled microservices supporting real-time payment processing.
• Implement secure REST APIs and asynchronous messaging solutions.
• Develop highly resilient payment services with sub-second processing requirements.
• Optimize application performance, scalability, and reliability.

AWS Serverless Engineering

• Develop solutions using: AWS Lambda, Amazon API Gateway, AWS EventBridge, Amazon SQS, Amazon SNS, AWS Step Functions, Amazon DynamoDB, Amazon Aurora PostgreSQL, AWS CloudWatch, AWS Secrets Manager, AWS Systems Manager Parameter Store, AWS KMS, AWS WAF.

Real-Time Payments

• Develop integrations for RTP, SWIFT, ACH, and ISO 20022 payment processing.
• Implement payment orchestration and transaction lifecycle management.
• Design solutions supporting: High availability, Active-active architectures, Fault tolerance, Disaster recovery, Regulatory compliance.

DevOps & GitHub

• Implement CI/CD pipelines using GitHub Actions.
• Build Infrastructure as Code (IaC) using AWS CDK.
• Automate testing, deployment, monitoring, and rollback processes.
• Manage source code repositories, branch strategies, pull requests, and release governance.

Operational Excellence

• Participate in production support and incident resolution.
• Conduct root cause analysis and problem management activities.
• Implement observability using logs, metrics, traces, and dashboards.
• Support chaos engineering and resiliency testing initiatives.

Required Experience

• 5-7+ years of software development and relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• 3+ years of AWS cloud development experience.
• 2+ years of serverless architecture experience.
• Experience working within financial services, payments, fintech, or banking.
• Experience building event-driven architectures and distributed systems.
• Experience with mission-critical, high-volume transaction systems.

Required Technical Skills

• AWS Services: Compute & Integration (AWS Lambda, API Gateway, EventBridge, SNS, SQS, Step Functions)
• Data Services: DynamoDB, ElastiCache Redis
• Security: AWS IAM, KMS, Secrets Manager
• Monitoring: CloudWatch, X-Ray, OpenTelemetry
• Development Skills: Languages (Python, TypeScript, Node.js), API Development (REST APIs, OpenAPI/Swagger, OAuth2, JWT, Microservices), Databases (DynamoDB NoSQL, Design SQL Optimization)
• GitHub & DevOps: Required experience with GitHub Enterprise, GitHub Actions, GitHub Copilot, Branch Protection Policies, Pull Request Reviews, CI/CD Automation, Infrastructure as Code, AWS CDK

Recommended AI Skills (Preferred)

Candidates with AI-assisted development experience will be highly preferred.

• Generative AI Development Experience with: GitHub Copilot, OpenAI APIs, AWS Bedrock, Prompt Engineering, AI-Assisted Engineering, AI-powered code generation, AI-assisted unit test creation, Code review automation, Documentation generation, Technical design generation, DevOps automation using AI, AI Platform Knowledge
• Understanding of: Amazon Bedrock AI Security and Governance, AI Use Cases
• Experience implementing: Intelligent Payment Operations, Incident Root Cause Analysis, Log Analysis using AI, Fraud Detection, Support Application Support, Chatbots, Knowledge Management Solutions

Preferred Experience

• Real-Time Payments (RTP)
• ISO 20022
• Open Banking APIs
• Payment Hub Platforms
• Banking Domain Knowledge
• PCI-DSS Compliance
• Resiliency & Chaos Engineering

Key Success Factors

• Strong cloud-native engineering skills
• Deep serverless architecture expertise
• Payments domain experience
• Excellent GitHub and DevOps practices
• AI-assisted development capabilities
• Security-first mindset
• Strong problem-solving skills
• Ability to work in high-availability, mission-critical environments

Certifications

• AWS Certified Developer Associate (Required)
• AWS Certified Solutions Architect Associate/Professional (Recommended)
• AWS Certified DevOps Engineer Professional (Recommended)
• GitHub Foundations (Required)
• GitHub Actions Certification (Recommended)
• AWS Certified AI Practitioner (Required)

Salary

$70,000.00 - $150,000.00

Pay Type

Salaried

Benefits

BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at https://jobs.bmo.com/ca/en.

Commitment

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process.