Senior Software Engineer - Finance Engineering

Apple, Inc.; United States; On-site; USD 185,000 - 325,000; Full time

Benefits offered by this job

Employee stock programs

Relocation assistance

Discretionary bonuses

Education reimbursement

Job summary

Apple, Inc. is seeking a Senior Software Engineer for Finance Engineering in the San Francisco Bay Area.

You will help design and operate high-throughput distributed services that power money movements, settlements, and reconciliations across the global financial backbone. You will collaborate with Platform Architects, Finance, Controllership, and Accounting to enforce deterministic idempotency, audit trails, and cross-team architectural RFCs, while mentoring engineers and raising engineering

Qualifications

• 8 years of professional software development experience in high-scale distributed backends.
• 8 years of Java or Kotlin (JVM) experience with concurrency, memory management, and GC tuning.
• 8 years of computer science fundamentals: OOD, algorithms, data structures, design patterns.
• 8 years of database architecture: relational and distributed stores; indexing and isolation semantics.
• 8 years of Microservices & API design: REST/gRPC, schema versioning, distributed transactions.
• 8 years of high-volume messaging & event streaming: Kafka or equivalent.

Responsibilities

• Core Financial Engine: design, build, operate high-throughput distributed services across the transaction lifecycle.
• Auditability: ensure data integrity, immutable event streams, and SOX-compliant audit trails.

Skills

Java/Kotlin (JVM)

Distributed systems

Concurrency & performance

PostgreSQL/Oracle

Microservices & API design

Kafka & streaming

SOX compliance

Architecture leadership

Education

Bachelor's in CS/CE

Tools

Kafka

gRPC

Protobuf

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.Finance Engineering is the strategic technology partner for Apple’s Finance function. The team works in close partnership with Finance to ensure alignment of our technology investments with evolving business priorities. They support the technology that powers our Finance teams, as well as widely used tools that employees rely on every day. Finance Engineering also supports Finance’s transformation efforts, leading the technology evolution that will shape how Finance operates for years to come.

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

• 8 years of professional software development experience with a track record of building high-scale, fault-tolerant distributed backend systems.
• 8 years of professional software development experience with in Java or Kotlin / JVM ecosystems, including advanced knowledge of concurrency, memory management, garbage collection, and JVM performance tuning.
• 8 years of professional software development experience in Computer Science fundamentals: Object-oriented design, algorithms, data structures, and enterprise design patterns.
• 8 years of professional experience with database architecture skills: Advanced relational database schema design, index strategy, query optimization, and transaction isolation semantics (Postgres, Oracle, etc.), alongside distributed/NoSQL stores.
• 8 years of professional experience with Microservices & API Architecture: Proven experience with contract-first API design (RESTful, gRPC, Protobuf), backward-compatible schema versioning, and distributed transaction patterns (Outbox, Saga, CQRS).
• 8 years of professional experience with High-volume messaging & event streaming: Hands-on experience with event-driven architectures using Apache Kafka or equivalent distributed streaming engines.
• Bachelor's Degree in Computer Science, Computer Engineering, or equivalent practical experience.

Preferred Qualifications

• Fintech & Ledger Experience: Prior experience building software ledgers, payment settlement rails, double-entry accounting engines, multi-currency balance tracking, or automated reconciliation systems.
• Resiliency & High Availability: Proven track record with multi-region deployments, active-active failover, zero-downtime database migrations, and chaos engineering.
• Influential Technical Leadership: Proven ability to lead cross-functional technical initiatives spanning multiple teams, communicate effectively with both engineering peers and executive business stakeholders, and mentor senior talent.

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, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses — including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as 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.