Senior Developer - Emerging Payments (Zelle / ACH / TCH / Wire)

Responsibilities Applies development expertise building middleware and back‑end systems along with designing and architecting system capabilities for a payment rail. Designs the strategy for continuous enhancement, performance optimization, stability, and scalability. Designs, develops, and maintains fully fledged and functioning platforms with databases or servers. Designs responsive design, and complete architecture. Works with databases, servers, APIs, version control systems, and third‑party apps. Ensures cross‑platform compatibility and fixes issues during test and production phases. Builds dynamic and innovative software product/apps including front‑end, middleware and back‑end components. Works in an environment to complete software development from conception to deployment. Maintains and upgrades the software following deployment. Manages the end‑to‑end life cycle to produce software and applications. Oversees and guides the analysis, writing, building, and deployment of software. Oversees automated testing and provides insights on results. Modifies and tests changes to previously developed programs. Focus is primarily on business/group within BMO; may have broader, enterprise‑wide focus. Provides specialized consulting, analytical and technical support. Exercises judgment to identify, diagnose, and solve problems within given rules. Works independently and regularly handles non‑routine situations. Broader work or accountabilities may be assigned as needed. Qualifications Experience working in a financial institution and thorough understanding of payment flow for any of the payment platforms supporting Wires, ACH, TCH or Zelle. Backend technologies and frameworks including AWS services, Node.js and/or Java, XML/XSD. AWS services – Serverless and event‑driven/reactive architecture. Database and cache such as NoSQL (DynamoDB), RDBMS (Oracle, PostgreSQL) etc. Experience working with various version control systems and tools such as GitHub, JIRA, Confluence, SharePoint etc. Familiarity with AI tools GitHub Copilot, AWS Bedrock etc. SDLC methodologies including Waterfall and Agile. Technical writing/documentation. Organization skills and collaboration & team skills. Analytical and problem‑solving skills along with verbal & written communication skills. Data driven decision making. Typically, 5–7 years of relevant experience and a post‑secondary degree in a related field of study or an equivalent combination of education and experience. Deep knowledge and technical proficiency gained through extensive education and business experience. Nice to have: ISO message specification; experience with front‑end technologies and frameworks. Nice to have: Certification on AWS Associate Architect and/or AWS Certified Developer. Salary & Benefits $81,400.00 – $151,800.00. Pay Type: Salaried. The pay range represents BMO Financial Group’s pay range and type. Salaries will vary based on location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part‑time roles will be pro‑rated based on hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Equal Employment Opportunity Statement BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. Reasonable Accommodations BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e‑mail to View email address on click.appcast.io and let us know the nature of your request and your contact information. #J-18808-Ljbffr