Senior Engineer - Payments Modernization

Bank of America; Jersey City (NJ); On-site; USD 122,000 - 200,000; Full time

Job summary

Bank of America in Jersey City is seeking a highly experienced Senior Engineer to define and lead the engineering approach for complex features in a next‑generation wire payment processing platform.

You will guide cross‑functional teams, shape cloud architectures with AWS, implement IaC (CloudFormation/Terraform), and drive CI/CD using CodePipeline, CodeBuild, and CodeDeploy.

The role requires 10+ years in payments tech with Java, Oracle, Kafka, RabbitMQ, and strong leadership in agile delivery.

Qualifications

• 10+ years of experience in payments/fintech engineering roles.
• Strong technical leadership and mentoring abilities.
• Proven expertise in building scalable, secure cloud-based solutions.

Responsibilities

• Define and lead engineering approach for complex features in wire payment platform.
• Drive cloud-native design and security across AWS-based deployments.
• Lead cross-functional teams and ensure agile delivery and high code quality.

Skills

Java

Spring Framework

RESTful APIs

Oracle SQL

Kafka

RabbitMQ

AWS

Cloud Architecture

CI/CD

Java EE

Unit Testing

Leadership

Tools

Jenkins

Git

Terraform

CloudFormation

Ansible

CodePipeline

CodeBuild

CodeDeploy

Docker

Kubernetes

Splunk

Prometheus

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 is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact.

Job Description: This job is responsible for defining and leading the engineering approach for complex features to deliver significant business outcomes. Key responsibilities of the job include delivering complex features and technology, enabling development efficiencies, providing technical thought leadership based on conducting multiple software implementations, and applying both depth and breadth in a number of technical competencies. Additionally, this job is accountable for end-to-end solution design and delivery.

• 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
• Design and implement cloud-native architectures leveraging AWS services such as EC2, ECS/EKS, Lambda, S3, RDS, DynamoDB, and API Gateway
• Ensure security and compliance in cloud deployments using AWS Identity and Access Management (IAM), encryption, and monitoring best practices
• Optimize cloud infrastructure for scalability, performance, and cost-efficiency using AWS Auto Scaling, Load Balancer, and Cost Explorer
• Implement observability and monitoring with AWS CloudWatch, X-Ray, and integrate with existing tools like Splunk or Prometheus
• Enable Infrastructure as Code (IaC) using AWS CloudFormation or Terraform for automated provisioning and environment consistency
• Integrate CI/CD pipelines with AWS services (e.g., CodePipeline, CodeBuild, CodeDeploy) for seamless deployments
• Design disaster recovery and backup strategies using AWS Backup and multi-region architecture
• Ensure compliance with regulatory requirements for cloud-based financial application

Position Summary: We are seeking a highly experienced and technically proficient Senior Engineer to join our team in building a next-generation wire payment processing platform. This role blends leadership and architecture, requiring deep expertise in modern technologies and payment systems. The Senior Engineer will guide cross-functional teams in delivering high-impact features, ensuring alignment with business objectives, technical standards, and agile delivery practices. The ideal candidate will have strong experience in leading teams working in Java, Node.js, Oracle, Kafka, RabbitMQ, and cloud platforms (AWS, Azure, or GCP). Familiarity with Finacle core banking platform is a significant plus.

• 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

• 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.

• 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 information Pay range $122,000.00 - $200,000.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This 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.

Benefits This 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.

Privacy Statement: https://careers.bankofamerica.com/en-us/privacy-notice

Company Culture

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well‑being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi‑faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Partnering Locally Learn about some of the ways Bank of America is making a difference in the communities we serve. Global Impact Learn about the six areas that guide Bank of America’s efforts to help make financial lives better for customers, clients, communities and our teammates. Opportunity and Inclusion Each employee brings unique skills, background and opinions. We see opportunity and inclusion as our platform for innovation and a key component in our success. Our Values Learn about our four values that represent what we believe. Pay Transparency: https://careers.bankofamerica.com/en-us/pay-transparency