Senior Software Engineer, Apple Card & Savings

Role Number: 200694649Team: Software and ServicesLocation: New York CityWeekly Hours: 40Posted: 2026-11-11SummaryThe Apple Card & Savings team is building the financial products that put users in control of their money. We built Apple Card to reinvent how credit cards work, and we continue to launch groundbreaking features used by millions of people every day. We are looking for an experienced engineer who loves owning critical services end to end, takes pride in operational excellence, and thrives in a highly regulated environment where correctness, reliability, and compliance requirements shape every technical decision.DescriptionYou'll design, build, test, deliver, and operate the distributed services that power Apple Card and Savings — from applications, accounts, and transactions to payments, savings transfers, rewards, and customer notifications. You'll be given the support of a talented team, access to modern technologies, and the autonomy to take full ownership of your work.Our team operates as DevOps: we build what we run. You'll be hands-on in every phase of the lifecycle — shipping changes safely through automated pipelines and controlled rollouts, participating in an on-call rotation, joining incident response and post-incident reviews, and automating away operational toil. You'll build reliable integrations with financial institution and payment network partners and with other Apple services such as Wallet, Apple Cash, and iCloud.As an experienced member of the team, you'll own features from specification through production, review code, contribute to technical design, write clear documentation, and help onboard and mentor teammates. Success in this role requires self-motivation, clear communication, a collaborative approach, and a commitment to engineering excellence and continuous improvement.Minimum QualificationsSolid experience building and operating production distributed systems, including services you have supported on call.Strong understanding of distributed systems fundamentals, including idempotency, retries, timeouts, and consistency trade-offs.Proficiency in a modern backend programming language (e.g. Kotlin, Java).Experience debugging production issues using logs, metrics, and traces, and following through on fixes and post-incident improvements.A testing-first mindset: experience writing thorough unit and integration tests as a natural part of development, and designing code with testability in mind.Clear written and verbal communication, including explaining technical issues to non-engineering stakeholders and external partners.No formal degree is required. What matters most is your mindset, your initiative, and your demonstrated ability to apply advanced skills to real-world applications.Experience using generative AI tools throughout the software development lifecycle to produce high-quality software.Preferred QualificationsProduction experience with Kotlin and Spring at high transaction volumes, including tuning JVM performance, managing connection pools, and maintaining API contracts across multiple concurrent client versions.Experience in payments, banking, or other regulated financial domains, including data correctness (reconciliation, audit trails) and working within compliance, consumer-protection, and privacy requirements.Experience with containerized, cloud-native services (e.g. Docker, Kubernetes, AWS), including multi-region resilience and failover.Experience with CI/CD, infrastructure as code, and safe release practices (e.g. canary deployments, feature flags, automated rollback).Experience with observability tools (e.g. Datadog, Splunk, OpenTelemetry), service level objectives (SLOs), and building actionable alerts that detect issues before customers or partners do.Experience with event-driven architectures and messaging (e.g. Kafka or equivalent event streaming) and with SQL/NoSQL databases at scale (e.g. Aurora, DynamoDB).Understanding of security and privacy fundamentals for protecting sensitive customer and financial data (e.g. mTLS, PKI and certificate lifecycle management, JWT).Pay & BenefitsAt 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 $277,600, 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 BenefitsNote: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.EEO StatementApple 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 applicantAccessibilityAt 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.Learn about accessibility in Apple’s workplaceLearn about reasonable accommodations for job applicantsApplication DeadlineApple accepts applications to this posting on an ongoing basis.