Senior Software Engineer - Finance Engineering

Apple Inc.; San Francisco (CA); On-site; USD 185,000 - 325,000; Full time

Benefits offered by this job

Comprehensive medical and dental

Retirement benefits

Discounted products and services

Educational expense reimbursement

Discretionary bonuses or commissions

Relocation

Job summary

Apple Inc. in San Francisco is seeking a Senior Software Engineer for Finance Engineering.

The role centers on building a distributed core for moving, routing, and settling money across a global ecosystem, with emphasis on idempotency, auditability, and scalable, secure systems. You will partner with Platform Architects, Finance, Controllership, and Accounting to craft mission-critical backend services, including payment rails, sub-ledgers, and verification harnesses.

Qualifications

• 6+ years of Java ecosystem experience with Spring (Boot, MVC, Security, Data, Cloud)
• 6+ years in designing high-scale, fault-tolerant distributed systems
• 6+ years API design and implementation (REST, gRPC, GraphQL)
• 6+ years with messaging systems (Kafka, RabbitMQ)
• 6+ years with relational and NoSQL databases
• B.S. in CS/CE or equivalent professional experience

Responsibilities

• Design, build, and operate high-throughput distributed services across the transaction lifecycle
• Own data integrity end-to-end with immutable event streams and audit trails
• Model canonical financial data and versioned rule configurations for evolving business logic
• Lead architecture RFCs, review code, and mentor engineers across the team

Skills

Java ecosystem

Spring framework

Distributed systems

API design

Messaging systems

Relational/NoSQL databases

Education

B.S. in CS/CE or related field

Tools

Kafka

RabbitMQ

OpenAPI/Swagger

GraphQL

Elasticsearch

Job description

Senior Software Engineer - Finance Engineering

San Francisco Bay Area, California, United States Software and Services

Do you want to help build some of the largest and most consequential enterprise and customer technology systems in the world? Join Apple’s Information Systems and Technology (IS&T) organization.IS&T is the engine behind everything Apple does for customers and for the people who build for them. It’s Apple’s central nervous system. Supporting 2.5 billion active Apple devices, processing billions of secure transactions, and keeping the technology that defines modern life running flawlessly, IS&T makes the impossible feel effortless.

Description

While most financial systems simply record history, our platform executes it. We build the distributed core responsible for moving, routing, and settling money across our global ecosystem—transforming high-volume business transactions into compliant, auditable, and immutable financial flows. As a Senior / Lead Backend Engineer, you will design the mission-critical distributed services powering this backbone: high-throughput payment rails, immutable sub-ledgers, transactional state machines, and end-to-end verification harnesses. You will partner directly with Platform Architects, Finance, Controllership, and Accounting. The bar for engineering rigor here is absolute: the software you deploy moves real money at massive scale, where idempotency, zero-loss architecture, and continuous auditability are mandatory from day one.

Responsibilities

• Core Financial Engine: Design, build, and operate high-throughput distributed services across the transaction lifecycle—ingestion, validation, matching, sub-ledger posting, settlement, and reconciliation.
• Financial Correctness & Auditability: Own data integrity end-to-end: double-entry ledger mechanics, immutable event streams, deterministic idempotency, and audit trails required for SOX compliance.
• Domain-Driven Architecture: Model canonical financial data schemas and externalize accounting/matching rules into versioned configurations so business logic can evolve without code deployments.
• Technical Leadership: Lead architecture RFCs for cross-team initiatives, raise engineering standards through code review and contract testing, and mentor engineers across the team.

Minimum Qualifications

• 6 years experience java Ecosystem experience building production applications with the Spring ecosystem (e.g. Spring Boot, Spring MVC, Spring Security, Spring Data, Spring Cloud, etc.), including mastery in dependency injection, auto-configuration, reactive programming with WebFlux, and designing microservices using Spring-based patterns.
• 6 years experience designing, implementing, and shipping high-scale, high-performance, highly available, fault-tolerant, and secure cloud-based distributed systems.
• 6 years experience in API design and implementation, including mastery in RESTful API principles, gRPC, GraphQL, contract-first design (e.g. OpenAPI/Swagger, Protobuf, etc.), API versioning strategies, gateway patterns, rate limiting, and designing APIs for backward compatibility and long-term evolution.
• 6 years experience with message-driven and event-driven architectures, including mastery in messaging systems (e.g. Kafka, RabbitMQ, ActiveMQ, etc.), event sourcing, CQRS patterns, and designing reliable asynchronous communication between distributed services.
• 6 years experience using relational (e.g. Oracle, Postgres, MySQL, etc.) and NoSQL (e.g. Cassandra, MongoDB, etc.) databases, including mastery in schema design, query optimization, performance tuning (e.g. execution plan analysis, indexing strategy, and query rewriting), and understanding of database transaction foundations across systems.
• B.S. in Computer Science, Computer Engineering, or a related technical field, or equivalent professional work experience.

Preferred Qualifications

• Track record of leading software projects that span multiple, distributed teams as a tech lead (TL), while mentoring senior-level software engineers.
• Hands-on experience leveraging GenAI coding tools (e.g., Claude, Copilot, Codex) to accelerate the software development lifecycle, enhance code quality, and streamline debugging and testing processes.
• Experience with search and indexing technologies (e.g. Elasticsearch, OpenSearch, Solr, etc.), including designing search architectures, index optimization, query tuning, and implementing full-text search for large-scale datasets.
• Expert-level understanding of advanced JVM internals (e.g. garbage collection, memory allocation, JIT, JNI, etc.).

At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $184,700 and $324,800, and your base pay will depend on your skills, qualifications, experience, and location.

Apple employees also have the opportunity to become an Apple shareholder through participation in Apple’s discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple’s Employee Stock Purchase Plan. You’ll also receive benefits including:

• Comprehensive medical and dental coverage
• Retirement benefits
• A range of discounted products and free services
• Reimbursement for certain educational expenses — including tuition
• Discretionary bonuses or commission payments
• Relocation

Learn more about Apple Benefits

Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

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Apple accepts applications to this posting on an ongoing basis.