Software Engineer III Payments Platform

Aumni; Tampa (FL); On-site; USD 110,000 - 165,000; Full time

Job summary

JPMorganChase is seeking a Software Engineer III in the Payouts group to design and deliver trusted, scalable technology for payments processing. You will work on a critical platform handling vast transaction volumes, contributing across the full software lifecycle in an Agile team environment.

You will develop high-quality production code, incorporate enterprise AI-assisted development tools, and produce architecture artifacts while focusing on security, resiliency, and performance.

Qualifications

• Formal training or certification in software engineering with 3+ years of experience.
• Hands-on experience in system design, application development, testing, and operational stability.
• Experience in developing, debugging, and maintaining code in a large corporate environment with modern languages and database querying.
• Hands-on experience using enterprise-authorized AI-assisted software development tools with evaluation for correctness, performance and security.
• Understanding of responsible AI use, data sensitivity, secure handling and resiliency expectations.
• Knowledge of the Software Development Life Cycle and related processes.
• Solid understanding of CI/CD, application resiliency, and security.

Responsibilities

• Executes software solutions, design, development, and troubleshooting with non-routine approaches.
• Creates secure, high-quality production code and maintains core algorithms.
• Leverages AI coding assist tools to improve quality, speed, and productivity with peer review and testing.
• Applies SDLC tools to enhance automation and value realization.
• Produces architecture and design artifacts for complex applications and ensures design constraints are met.
• Gathers, analyzes, and visualizes data from large datasets to support continuous improvement.
• Proactively identifies hidden data patterns to drive improvements in code and system architecture.

Skills

System design

Application development

Testing & stability

Secure coding practices

Agile methodologies

Data analysis & visualization

Education

Formal training or certification in software engineering

Tools

AI-assisted coding tools

Enterprise SDLC tools

Job description

We have an exciting and rewarding opportunity for you to take your software engineering career to the next level.

As a Software Engineer III at JPMorganChase within the Payouts (payments processing platforms) group, you serve as a seasoned member of an agile team to design and deliver trusted market-leading technology products in a secure, stable, and scalable way. You are responsible for carrying out critical technology solutions across multiple technical areas within various business functions in support of the firm’s business objectives. this is one of the critical platforms in payments. We move $5 trillion every business day, and this application is the front door to all of that activity.

Job responsibilities

• Executes software solutions, design, development, and technical troubleshooting with ability to think beyond routine or conventional approaches to build solutions or breakdown technical problems
• Creates secure and high-quality production code and maintains algorithms that run synchronously with appropriate systems
• Leverages enterprise-authorized AI coding assist tools within the work environment to improve code quality, delivery speed, and productivity across complex deliverables (e.g., code generation/refactoring, unit test creation, documentation), while validating outputs through peer review, automated testing, and secure coding standards; contributes learnings and reusable patterns to improve broader team effectiveness.
• Applies knowledge of tools within the Software Development Life Cycle toolchain, including enterprise-authorized AI-assisted development and automation capabilities, to improve the value realized by automation.
• Produces architecture and design artifacts for complex applications while being accountable for ensuring design constraints are met by software code development
• Gathers, analyzes, synthesizes, and develops visualizations and reporting from large, diverse data sets in service of continuous improvement of software applications and systems
• Proactively identifies hidden problems and patterns in data and uses these insights to drive improvements to coding hygiene and system architecture

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 3+ years applied experience
• Hands-on practical experience in system design, application development, testing, and operational stability
• Experience in developing, debugging, and maintaining code in a large corporate environment with one or more modern programming languages and database querying languages
• Hands-on experience using enterprise-authorized AI-assisted software development tools within the work environment (e.g., for coding, test creation, troubleshooting, or documentation) with demonstrated ability to critically evaluate, validate, and refine AI-generated outputs for correctness, performance, and security.
• Understanding of responsible AI use in engineering workflows, including data sensitivity considerations, secure handling of inputs/outputs, and adherence to resiliency and security expectations; ability to guide peers on safe and effective usage within team practices.
• Overall knowledge of the Software Development Life Cycle
• Solid understanding of agile methodologies such as CI/CD, Application Resiliency, and Security

Preferred qualifications, capabilities, and skills

• Familiarity with modern front-end technologies
• Exposure to cloud technologies

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. Promote secure, scalable technology products as a seasoned member of a collaborative team within the Payments Organization