Software Engineer lll - Payments Modernization

Software Engineer lll - Payments Modernization

Jersey City, New Jersey;Charlotte, North Carolina; Plano, Texas

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Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:

This job is responsible for developing and delivering complex requirements to accomplish business goals. Key responsibilities of the job include ensuring that software is developed to meet functional, non-functional and compliance requirements, and solutions are well designed with maintainability/ease of integration and testing built-in from the outset. Job expectations include a strong knowledge of development and testing practices common to the industry and design and architectural patterns.

Responsibilities:

• Codes solutions and unit test to deliver a requirement/story per the defined acceptance criteria and compliance requirements

• Designs, develops, and modifies architecture components, application interfaces, and solution enablers while ensuring principal architecture integrity is maintained

• Mentors other software engineers and coach team on Continuous Integration and Continuous Development (CI-CD) practices and automating tool stack

• Executes story refinement, definition of requirements, and estimating work necessary to realize a story through the delivery lifecycle

• Performs spike/proof of concept as necessary to mitigate risk or implement new ideas

• Automates manual release activities

• Designs, develops, and maintains automated test suites (integration, regression, performance)

Required Qualifications:

• 7+ years of hands-on software engineering experience, including building and supporting mission-critical systems.

• 7+ years of hands-on experience with Java and Spring Boot building microservices for mission-critical, low-latency systems.

• 2+ years of technical leadership experience (Feature Lead / Tech Lead / Senior Engineer) leading delivery for a small to mid-sized engineering team.

• Experience with event-driven architectures using Kafka (topic design, consumer groups, streaming patterns, integration with back-end services).

• Solid experience with Oracle (or similar RDBMS) including schema design for payments, performance tuning, and transactional integrity.

• Knowledge of wire processing workflows including initiation, compliance screening, enrichment, routing, settlement, exception handling, and investigations.

• Experience designing and deploying services using containers (Docker) and Kubernetes, including configuration, scaling, and rollout strategies, preferably on a cloud or private-cloud platform.

• Ability to ensure solutions meet regulatory and compliance requirements (OFAC, AML, sanctions, risk controls).

• Expertise applying architectural patterns, integration design, event-driven or microservices patterns, and modern engineering frameworks.

• Strong hands-on experience developing automated test suites, ensuring coverage across MT/MX message validation, schema compliance, routing logic, performance, and resiliency.

• Experience setting up and maturing CI/CD pipelines with automated quality gates, schema validations, regression packs, and safe deployment controls for mission-critical systems.

• Ability to troubleshoot and resolve complex technical issues across distributed systems, including message parsing failures, routing defects, latency issues, or integration errors.

• Excellent mentoring, communication, and collaboration skills to support engineering teams and influence technical direction across architecture, product, operations, and compliance partners.

Desired Qualifications :

• Familiarity with Federal Reserve Operating Circular 8, CHIPS Operating Rules, and SWIFT Standards related to wire message structures and processing requirements.

• 3+ years working in high-value payments, preferably in US Wires (Fedwire, CHIPS) and/or SWIFT cross-border payments.

• Experience supporting or engineering for high-value, low-latency payment systems, including performance tuning, message parsing optimization, and resiliency patterns.

• Exposure to fraud detection, sanctions screening engines, and other risk systems integrated into wire processing flows.

• Knowledge of end-to-end wire operational workflows including exceptions, repairs, adjustments, investigations, and settlement cycles.

• Experience implementing or integrating monitoring/observability platforms (e.g., Splunk, ELK, AppDynamics, Dynatrace) for wire transaction tracing and operational insights.

• Experience in cloud modernization or microservices transformation for wire or other regulated financial systems.

• Experience with UI frameworks (e.g., Angular) and/or Node.js for building operational tools, dashboards, or auxiliary services around wire platforms.

• Ability to collaborate with Compliance, Risk, Operations, and business SMEs to ensure solutions meet regulatory, operational, and audit requirements.

Shift:

1st shift (United States of America)

Hours Per Week:

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

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Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.