Senior Principal Engineer, Wallet & Payments Architect

Apple Inc.; Cupertino (CA); On-site; USD 263,000 - 394,000; Full time

Job summary

Apple seeks a Sr. Principal Engineer to lead the technical vision for its financial services platform within Wallet, Payments and Commerce. You will shape the architecture behind Apple Pay, Apple Cash, and related services, ensuring security, reliability, and global scalability.

Collaborate with cross‑functional partners, mentor engineers, and translate business goals into robust, compliant systems. This role offers exposure to cutting‑edge payments technology at Apple scale and the opportunity

Qualifications

• Deep expertise in payments or financial systems, including money movement, tokenization, or transaction processing.
• Proven experience designing and evolving large‑scale distributed systems serving millions of users or high‑volume transactions.
• Strong foundation in cloud‑native architectures and systems designed for scalability and resilience (experience with AWS or comparable cloud platforms).
• Track record of technical leadership, driving alignment and architectural direction across large, complex organizations.

Responsibilities

• Develop, socialize, and promote the financial services engineering vision and technical roadmap.
• Partner with engineering, product, and business leadership to align on architecture and long‑term investments.
• Lead architectural discussions and decisions for financial services initiatives across Apple.
• Define and advocate for engineering principles that ensure scalability, reliability, testability, and measurable impact.
• Provide technical leadership on critical projects; designing, documenting, and validating key architectural decisions.
• Collaborate deeply with WPC’s architecture and platform teams to ensure alignment across shared systems and interfaces.
• Identify opportunities to leverage Apple‑wide systems and capabilities for WPC and financial services use cases.
• Represent the engineering perspective in senior forums and influence strategic product direction.
• Mentor and develop technical leaders across the organization.

Skills

Payments architecture

Distributed systems

Cloud-native

Education

Bachelor's degree in Computer Science or Engineering

Tools

AWS

Job description

Apple seeks a Sr. Principal Engineer to lead the technical vision for its financial services platform within Wallet, Payments and Commerce. You will shape the architecture behind Apple Pay, Apple Cash, and related services, ensuring security, reliability, and global scalability.

Collaborate with cross‑functional partners, mentor engineers, and translate business goals into robust, compliant systems. This role offers exposure to cutting‑edge payments technology at Apple scale and the opportunity