Financial Services Technology Consulting, Financial Risk Technology (FRT) Engineering - Senior

EY; Atlanta (GA); On-site; USD 140,000 - 210,000; Full time

Job summary

EY is seeking a Senior Technology Consultant to help modernize Insurance and Credit Risk platforms and deliver cloud-native risk and capital markets solutions. You will translate complex regulatory and analytical requirements into robust software components and data pipelines across trading, risk, finance, and operations.

You will collaborate with architects, business stakeholders and operations teams to implement scalable, reliable systems and ensure production-readiness in a fast-paced,

Qualifications

• Strong software development fundamentals across Java, Python and modern frameworks.
• Experience translating requirements into software components for risk/finance domains.
• Ability to design scalable, reliable cloud-native services and data pipelines.

Responsibilities

• Contribute to design, development and modernization of Insurance and Credit Risk platforms.
• Translate regulatory and analytical requirements into technical designs and tasks.
• Develop front-to-back Capital Markets modernization across trading, risk, finance and operations.
• Implement capabilities for VaR, stress testing, XVA, P&L attribution and risk analyses.
• Collaborate with architects, managers, traders and risk teams to deliver production-ready software.

Skills

Java

Python

Scala

C++

Job description

Location: New York, Charlotte, Atlanta

At EY, we’re all in to shape your future with confidence.

We’ll help you succeed in a globally connected powerhouse of diverse teams and take your career wherever you want it to go. Join EY and help to build a better working world.

The opportunity:

Our Financial Services ("FSO") teams help clients address complex transformation priorities across Banking, Insurance and Capital Markets. This opportunity combines Insurance Risk, Credit Risk and Capital Markets technology expertise with modern engineering to deliver high-impact enterprise transformation programs.

Financial institutions are modernizing risk, finance and trading platforms to improve scalability, transparency, control and responsiveness. The role supports cloud-native risk platforms, analytical and model-execution engines, regulatory and actuarial processing, and front-to-back modernization across front-office, middle-office and back-office functions. Key capabilities include pricing and positions, pre-trade and counterparty risk, Value at Risk (VaR), stress testing, sensitivities, XVA, clean P&L, hypothetical P&L, actual P&L, P&L attribution, settlement, reconciliation and regulatory reporting.

As a Senior Technology Consultant, you will be a hands-on member of the engineering team, working with architects, managers, business stakeholders, traders, risk teams, actuaries, model developers and operations teams. You will translate functional and analytical requirements into reliable software components, data pipelines, cloud services and integration solutions across trading, risk, finance and operations.

Your key responsibilities:

Risk Technology & Solution Architecture

• Contribute to the design, development and modernization of Insurance and Credit Risk platforms.
• Translate business, regulatory, actuarial and analytical requirements into technical designs and implementation tasks.
• Develop components for front-to-back Capital Markets modernization across front-office trading and pricing, middle-office risk and controls, and back-office settlement, accounting and reconciliation.
• Implement and enhance capabilities supporting VaR, stress testing, sensitivities, XVA, counterparty risk, clean P&L, hypothetical P&L, actual P&L and P&L attribution.
• Build components supporting Credit Risk Management, CECL / IFRS 9, CCAR stress testing, Expected Credit Loss, portfolio analytics, regulatory reporting, insurance modeling and reserving, and liquidity or balance-sheet risk.
• Participate in solution reviews and recommend improvements for maintainability, performance and scalability.

Platform Engineering

• Develop cloud-native services supporting model execution, analytical workloads and risk calculations.
• Implement distributed processing, workflow orchestration and event-driven integration patterns.
• Optimize application and data-processing performance through profiling, testing and engineering improvements.
• Apply platform standards for resiliency, scalability, observability, security and supportability.

Data & Analytics

• Develop and maintain data models supporting Insurance and Credit Risk calculations.
• Build data pipelines and integration services across risk engines, data lakes and operational systems.
• Implement controls supporting lineage, governance, auditability, data quality and reconciliation.

Engineering Delivery and Collaboration

• Deliver high-quality software through design, development, unit testing, code review and technical documentation.
• Collaborate effectively with onshore and offshore teams across architecture, development, data, testing and platform engineering.
• Participate in design reviews, sprint planning, estimation, defect resolution and production-readiness activities.
• Share technical knowledge and provide guidance to junior engineers when appropriate.

Skills and attributes for success:

• Strong software-engineering fundamentals with the ability to understand risk-domain requirements.
• Ability to solve technical problems, communicate design choices and work effectively in multidisciplinary teams.
• Commitment to engineering quality, automated testing, documentation and continuous improvement.
• Strong written and verbal communication skills.

Required domain expertise:

Insurance Risk

• Insurance Risk Management
• Actuarial Modeling Platforms
• Reserving and Capital Models
• Solvency Frameworks
• Risk Aggregation and Reporting
• Insurance Data Platforms
• Reinsurance Processing

Credit Risk

• CECL / IFRS 9
• Credit Portfolio Analytics
• Probability of Default (PD)
• Loss Given Default (LGD)
• Exposure at Default (EAD)
• Credit Stress Testing
• Regulatory Capital
• Counterparty Credit Risk
• Basel Frameworks

Financial Risk Programs

Experience supporting one or more of the following:

• CCAR
• CECL
• FRTB
• Basel III / IV
• XVA
• Market Risk
• Liquidity Risk
• Asset and Liability Management (ALM)

Capital Markets Technology

• Front-office trading, pricing, position management and pre-trade risk platforms
• Middle-office risk, controls, trade validation, valuation and P&L processes
• Back-office confirmations, settlement, accounting, reconciliation and regulatory reporting
• Value at Risk (VaR), stress testing, sensitivities and market-risk analytics
• XVA, including counterparty credit and funding valuation adjustments
• Clean P&L, hypothetical P&L, actual P&L and P&L attribution
• Front-to-back modernization and integration across trading, risk, finance and operations

Required technical skills:

Core Development

• Java (advanced or expert proficiency)
• Python
• Scala and/or C+ Spring Boot and REST APIs
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