Sr. Software Engineer - Mobile Payments Applications

U.S. Bank; Cincinnati (OH); Hybrid; USD 120,000 - 180,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) retirement plan

Paid vacation

Parental leave

Job summary

U.S. Bank in Cincinnati is seeking a Senior Software Engineer for Payments Technology to own Android development across payments applications. You will design, code, test, and maintain enterprise Android solutions using Kotlin, Jetpack Compose, and modern tooling.

You will integrate with backend services, implement authentication and security controls, and collaborate with Product, UX, Security, Architecture, and Backend teams to deliver reliable, secure experiences.

Qualifications

• Bachelor’s degree or equivalent work experience.
• Five to six years of Android development experience.
• Strong experience with Kotlin, Java, Jetpack Compose, Android SDK, and Android Studio.
• Experience deploying apps through Google Play and enterprise MDM.
• Familiarity with IAM platforms and security practices.

Responsibilities

• Design, develop, test, and maintain Android apps using Kotlin and Jetpack Compose.
• Build secure, scalable Android solutions integrating with backend services and APIs.
• Implement MFA, biometrics, OAuth 2.0/OpenID Connect and device registration.
• Collaborate with Product, UX, Security, Architecture, and Backend teams.
• Develop reusable Android SDKs and shared libraries for consistency.
• Ensure security best practices and on-call support for critical apps.

Skills

Kotlin

Java

Android Jetpack Compose

RESTful APIs

OAuth 2.0/OpenID Connect

CI/CD

Security best practices

Agile/Scrum

Education

Bachelor’s degree

Tools

Git

GitLab

Espresso

JUnit

Mockito

Android Studio

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.

U.S. Bank is seeking a Senior Software Engineer to join our Payments Technology team as Mobile Development Subject Matter Expert who will work on payments applications. 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, and maintain enterprise‑grade Android applications using Kotlin, Jetpack Compose, and modern Android development frameworks.
• Build secure, scalable, and high‑performing Android solutions that integrate with backend services, APIs, SDKs, and enterprise platforms.
• Implement and support authentication, authorization, and identity management capabilities including MFA, biometrics (fingerprint, face unlock), OAuth 2.0, OpenID Connect, device registration, and trust services.
• Collaborate with Product, UX, Security, Architecture, and Backend Engineering teams to translate business requirements into technical solutions.
• Develop and maintain reusable Android SDKs, shared libraries, and platform components to improve consistency, scalability, and developer productivity.
• Ensure compliance with Android security best practices, including OWASP Mobile Top 10, encryption, certificate pinning, secure storage, and secure coding standards.
• Participate in code reviews, technical design discussions, Agile ceremonies, and CI/CD‑driven release processes to deliver high‑quality software.
• Troubleshoot complex production issues, perform root cause analysis, support vulnerability remediation efforts, and provide on‑call support for critical applications.

Basic Qualifications

• Bachelor’s degree, or equivalent work experience
• Five to six years of relevant Android development experience

Preferred Skills/Experience

• Strong experience developing native Android applications using Kotlin, Java, Jetpack Compose, Android SDK, and Android Studio.
• Hands‑on experience building and supporting enterprise Android applications deployed through the Google Play Store and enterprise MDM distribution.
• Experience with Android Architecture Components (ViewModel, LiveData, Room, Navigation, WorkManager) and modern app architecture patterns (MVVM, MVI, Clean Architecture).
• Expertise in RESTful APIs, JSON, mobile‑to‑backend integrations, and backend‑driven application architectures.
• Experience implementing Android security solutions, including MFA, biometrics, OAuth 2.0/OpenID Connect, token activation, device registration, encryption, and secure storage.
• Knowledge of Identity and Access Management (IAM) platforms such as Transmit Security, Okta, Ping Identity, ForgeRock, or similar technologies.
• Experience with dependency injection frameworks (Hilt, Dagger), coroutines, Flow, and reactive programming patterns.
• Experience supporting penetration testing remediation, vulnerability management, security compliance initiatives, and secure software delivery practices.
• Proficiency with Git, GitLab, CI/CD pipelines, Gradle build system, automated testing (Espresso, JUnit, Mockito), release management, and Agile/Scrum development methodologies.
• Experience supporting high‑scale production applications in Banking, Financial Services, Payments, or FinTech environments; exposure to Kotlin Multiplatform (KMP) and Android tablet development is a plus.

Preferred Skills/Experience

• 5+ years of experience in Android application development.
• Strong proficiency in: Kotlin, Java, Jetpack Compose, Android SDK, Android Studio; Android Architecture Components (ViewModel, LiveData, Room, Navigation, WorkManager); Coroutines, Flow, and reactive programming.
• Experience building and maintaining enterprise Android applications published to the Google Play Store and enterprise MDM distribution channels.
• Experience building backend‑driven Android applications and SDK‑based integrations.
• Expertise in RESTful APIs, JSON, and mobile‑to‑backend communication patterns.
• Experience implementing authentication and security solutions including: Multi‑Factor Authentication (MFA); Biometrics (Fingerprint, Face Unlock via BiometricPrompt API); OAuth 2.0 / OpenID Connect; Mobile Token Registration and Activation; Device Registration and Trust.
• Experience with Identity and Access Management integrations such as Transmit Security, Okta, Ping Identity, ForgeRock, or similar platforms.
• Strong understanding of mobile application security best practices including OWASP Mobile Top 10, secure storage, certificate pinning, encryption, and secure coding standards.
• Experience supporting penetration testing remediation, vulnerability management, and security compliance initiatives.
• Experience developing and consuming Android SDKs, shared libraries, and reusable platform components.
• Experience with Gradle build system, build variants, product flavors, and modularized project architecture.
• Strong troubleshooting and root cause analysis skills across Android applications, APIs, and backend services.
• Experience supporting high‑scale, production‑grade applications in a regulated environment.
• Experience with Git, GitLab, CI/CD pipelines, automated testing, and release management.
• Experience working in Agile/Scrum environments and participating in code reviews and technical design discussions.
• Experience supporting production incidents, defect triage, and on‑call support activities.
• Strong collaboration skills with Product, UX, Security, Architecture, and Backend Engineering teams.
• Banking, Financial Services, Payments, or FinTech experience preferred.
• Experience with Kotlin Multiplatform (KMP) is a plus.
• Experience building and supporting Android tablet applications is a plus.

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.

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. 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 you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.