Lead Software Engineer, Payments Modernization

Hobbsnews; Jersey City (NJ); Hybrid; USD 122,000 - 200,000; Full time

Benefits offered by this job

Industry-leading benefits

Paid time off

Discretionary bonus

Job summary

Bank of America in Jersey City, NJ is seeking a Lead Engineer to drive architecture and delivery of a next-generation wire payment processing platform. You will lead cross-functional teams and define technology strategy across Java, Node.js, and cloud services.

The role demands deep payment systems expertise, hands-on design, mentoring, and a track record of delivering enterprise-scale solutions in a fast-paced environment with CI/CD and secure cloud architecture.

Qualifications

• 10+ years of experience in payment platforms and enterprise software.
• Strong knowledge of payment rails including Wire, ACH, RTP.
• Experience with AWS cloud services and Infrastructure as Code (IaC).
• Proven leadership and mentoring of engineering teams.
• Expertise with Java, Spring, Hibernate and REST APIs.
• Familiarity with Finacle core banking platform is a plus.

Responsibilities

• Ensures design and engineering approach for complex features aligns with the larger portfolio solution.
• Defines technology tool stack for the solution and evaluates new testing tools/frameworks.
• Enables CI/CD capabilities and coordinates with stakeholders for efficient pipelines.
• Guides design and best practices for high code performance through reviews and collaboration.
• Delivers end-to-end complex features for one or multiple teams at program level.
• Performs research, prototyping and evaluates new toolsets for releases and CI/CD.
• Collaborates with stakeholders to capture high-level needs and works with architects on requirements.

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

Job description

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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role‑specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

This role is responsible for providing technical leadership and defining the engineering strategy for complex, business‑critical initiatives that deliver significant organizational outcomes.

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

Position Summary

We are seeking a highly experienced and technically proficient Lead Engineer to drive the architecture, design, and delivery of a next-generation wire payment processing platform. This role combines technical leadership, solution architecture, and team leadership, requiring deep expertise in modern technologies and payment systems.

• The Lead Engineer will provide technical direction to multiple cross-functional teams, mentor engineers, establish engineering best practices, and ensure successful delivery of strategic business initiatives. The ideal candidate will have extensive experience leading teams building enterprise-scale solutions using Java, Node.js, Oracle, Kafka, RabbitMQ, and cloud platforms (AWS, Azure, or GCP). Familiarity with the Finacle core banking platform is a significant plus.
• This role serves as a key technical leader, partnering with business stakeholders, architects, product teams, and engineering leadership to define technology strategy, influence roadmaps, and deliver scalable, resilient, and high‑performing solutions.

Required Qualifications:

• 10+ years’ experience with the below:
• Strong payment platform experience
• Domain expertise in payment systems including Wire, ACH, RTP.
• Knowledge of ISO 20022 messaging standards.
• Ensuring compliance with industry standards and regulations
• Collaborating with clients and internal teams to gather requirements and develop solutions
• Optimizing existing cloud infrastructures for performance and cost‑efficiency
• Hands‑on experience deploying applications on AWS cloud using native services such as EC2, ECS/EKS, Lambda, S3, RDS, DynamoDB, and API Gateway.
• Strong knowledge of Infrastructure as Code (IaC) using AWS CloudFormation or Terraform.
• Experience integrating CI/CD pipelines with AWS services (e.g., CodePipeline, CodeBuild, CodeDeploy).
• Ability to design secure and compliant cloud architectures leveraging AWS IAM, encryption, and monitoring best practices.
• Proven experience in optimizing cloud infrastructure for scalability, performance, and cost‑efficiency.
• Providing technical leadership and mentoring to team members
• Recent experience tackling complex challenges in distributed data systems using Java (Enterprise Edition), Oracle SQL, and Python.
• Experience using Java/J2EE technologies to develop scalable enterprise‑grade applications, libraries, and frameworks.
• Designed and developed solution architecture to scale backend systems with Spring framework, Spring MVC, and RESTful APIs.
• Hands‑on experience with messaging systems like Kafka and RabbitMQ.
• Utilized DevOps technologies for CI/CD including Ansible, Jenkins, JFrog, and Git.
• Designed and implemented database development on Oracle Exadata.
• Proven experience in leading and mentoring a team of engineers.
• Strong understanding of software development, testing, deployment, and support using agile methodologies.
• Expert‑level proficiency in Java Enterprise Edition and related frameworks (e.g., Spring, Hibernate) and advanced SQL.
• Excellent written and verbal communication skills.
• Ability to write specifications and design documents.

Desired Qualifications:

• Exposure to event‑driven architecture and distributed systems.
• Understanding of regulatory and compliance requirements in financial services.
• Experience with observability tools like Splunk, Prometheus, and Grafana.
• Knowledge of financial products data such as Equities, Fixed Income, and Derivatives.
• Agile/Scrum certification or experience working in agile environments.
• AWS Certification (Solutions Architect, Developer, or DevOps Engineer).
• Familiarity with serverless computing (AWS Lambda) and container orchestration (EKS/ECS).
• Experience with event‑driven architecture using AWS SNS/SQS.
• Knowledge of AWS observability tools like CloudWatch and X‑Ray.
• Understanding of multi‑region disaster recovery strategies and data migration to AWS.

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

Pay Transparency details

US - NJ - Jersey City - 101 Hudson St - 101 Hudson (NJ2101)Pay and benefits informationPay range$122,000.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligibleThis role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry‑leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.10+ years experience