Senior Software Engineer - Payments & Digital Assets

U.S. Bank; Charlotte, Northern (NC, KY); Hybrid; USD 112,000 - 131,000; Full time

Benefits offered by this job

Healthcare

Life insurance

Disability insurance

Paid vacation

401(k)

Job summary

U.S. Bank is seeking a Senior Software Engineer for Payments & Digital Assets in Charlotte, NC or Irving, TX. You will analyze, design, test, and maintain scalable software using Java/Spring within cloud-native, microservices architectures.

Responsibilities include leading API-driven development, integrating blockchain connectivity, custody models, settlement workflows, and real-time payments, with a focus on reliability, security, and performance.

Qualifications

• Bachelor's degree or equivalent work experience.
• 5+ years of relevant experience in software development.
• Experience with Java, Spring Framework, Spring Boot, REST APIs and microservices.

Responsibilities

• Design, develop, test, deploy, and support scalable, secure applications using Java/Spring.
• Lead architecture reviews and governance to ensure enterprise alignment.
• Develop APIs, event-driven systems, and high-volume transaction processing platforms.

Skills

Java

Spring Boot

REST APIs

Microservices

Cloud Platforms

Kubernetes

Apache Kafka

DDD

DevOps

CI/CD

Observability

Education

Bachelor's degree or equivalent

Tools

Docker

Job description

## Senior Software Engineer - Payments & Digital AssetsApply: Charlotte, NC: Irving, TX: Full time: Posted Yesterday: End Date: September 30, 2026 (12 days left to apply): 2026-0028931At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.## **Job Description**This position will be responsible for the analysis, design, testing, development and maintenance of best in class software experiences. The candidate is a self-motivated individual who can collaborate with a team and across the organization. The candidate takes responsibility of the software artifacts produced adhering to U.S. Bank standards in order to ensure minimal impact to the customer experience. The candidate will be adept with the agile software development lifecycle and DevOps principles. **Essential Responsibilities:*** Design, develop, test, deploy, and support highly scalable, secure, and resilient applications using **Java**, **Spring Boot**, **Microservices**, and **Cloud-Native Architectures**.* Lead the design and implementation of **Blockchain Connectivity**, **Digital Asset Servicing**, **Tokenization**, **Custody Solutions**, **Settlement Processing**, and **Real-Time Payments**.* Build and optimize **Event-Driven Architectures**, **APIs**, integration services, and high-volume transaction processing platforms.* Develop enterprise solutions for mission-critical financial systems with a focus on **Scalability**, **Performance**, **Reliability**, and **Security**.* Partner with business, product, architecture, operations, compliance, risk, and security teams to deliver innovative technical solutions.* Drive engineering excellence through **Domain-Driven Design (DDD)**, **API-First Development**, **DevOps**, **Automation**, and **Secure Coding Practices**.* Lead architecture reviews, code reviews, technical design sessions, and governance activities to ensure alignment with enterprise standards.* Champion **Site Reliability Engineering (SRE)** principles, proactive monitoring, observability, and continuous platform improvement.**Basic Qualifications** - Bachelor’s degree, or equivalent work experience - Five to six years of relevant experienceRequired Skills & Experience* Advanced expertise in **Java**, **Spring Framework**, **Spring Boot**, **REST APIs**, **Microservices Architecture**, and enterprise application development.* Strong experience building and deploying applications on **Cloud Platforms** with **Containerization** and **Kubernetes**.* Expertise in **Event-Driven Systems** using **Apache Kafka** or similar messaging technologies.* Deep understanding of **Distributed Systems**, **Object-Oriented Design**, **Software Design Patterns**, and **Domain-Driven Design (DDD)**.* Experience designing and supporting **High-Throughput**, **Low-Latency**, and **Mission-Critical Transaction Processing Systems**.* Strong knowledge of **CI/CD Pipelines**, **Infrastructure Automation**, **Observability**, **Monitoring**, and modern **DevOps Practices**.* Understanding of **Digital Assets**, **Blockchain Technologies**, **Tokenization Platforms**, and **Enterprise Blockchain Integration**.* Knowledge of **Stablecoins**, **Digital Wallets**, **Tokenized Asset Lifecycles**, **Custody Models**, **Settlement Workflows**, and **Blockchain-Based Transaction Processing**.* Passion for **Emerging Technologies**, innovation, and continuous learning within the digital assets ecosystem.**Location expectations** This role requires working from a U.S. Bank location three (3) or more days per week.If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.**Benefits:**Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:* Healthcare (medical, dental, vision)* Basic term and optional term life insurance* Short-term and long-term disability* Pregnancy disability and parental leave* 401(k) and employer-funded retirement plan* Paid vacation (from two to five weeks depending on salary grade and tenure)* Up to 11 paid holiday opportunities* Adoption assistance* Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawReview our full benefits available by employment status here.U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.**E-Verify**U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,605.00 - $131,300.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.