Senior Software Engineer - Payments & Digital Assets

U.S. Bank; Town of Charlotte (NY); Hybrid; USD 112,000 - 131,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement

Paid vacation

Adoption assistance

Job summary

U.S. Bank is seeking an experienced software engineer to design, develop, test, and maintain scalable Java applications in a fast-paced financial services environment.

The role emphasizes Spring Boot, microservices, cloud-native architectures, and blockchain-related capabilities to enable secure, high-throughput processing and real-time payments. Collaboration with product, architecture, and security teams is essential.

Qualifications

• Bachelor’s degree or equivalent work experience.
• 5–6 years of relevant experience in software development.
• Experience with Java, Spring, and cloud-native architectures.

Responsibilities

• Design, develop, test, deploy, and support scalable Java applications.
• Lead blockchain connectivity, tokenization, custody, and real-time payments initiatives.
• Build event-driven APIs and high-volume integration services.
• Collaborate with cross-functional teams to deliver secure solutions.
• Champion SRE, observability, and continuous platform improvement.

Skills

Java

Spring Framework

Spring Boot

REST APIs

Microservices

Cloud platforms

Kubernetes

Apache Kafka

Domain-Driven Design

CI/CD

DevOps

Blockchain

Digital Assets

Tokenization

High-throughput systems

Education

Bachelor’s degree

Tools

Docker

Kubernetes

Terraform

Job description

At 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 experience

Required 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

• 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 law

Review 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 - $131,300.00

U.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.

Posting may be closed earlier due to high volume of applicants.