Software Engineer

About Us Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey. Come join a bank where our employees thrive and are engaged in meaningful work. For the last 6 out of 7 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker. Position Purpose The Decision Engine Developer supporting the OpenSky Decision Engine, you will play a key role in designing, building, and testing eligibility and decision strategies within a low-code decision engine platform (e.g., Provenir, Oscilar, GDS Link). This role is ideal for a highly detail-oriented practitioner with strong technical and analytical skills who can translate business requirements into effective, scalable decision logic. You will work closely with business and technical teams to implement strategies, ensure accuracy through testing, and support ongoing optimization of decisioning processes. Position Responsibilities Strategy Implementation & Development • Translate business requirements into decision engine rules and workflows • Build and maintain rulesets within the decision platform • Implement automated processes to improve efficiency and consistency Testing & Quality Assurance • Perform comprehensive unit, integration, and regression testing • Validate that decision outcomes align with expected results and business intent • Troubleshoot and debug issues within rules, data flows, and integrations System Performance & Optimization • Support system performance monitoring and issue resolution • Assist in identifying risks, gaps, and improvement opportunities within strategies • Contribute to performance tracking, reporting, and ongoing optimization efforts Cross-Functional Collaboration • Partner with business stakeholders to understand detailed requirements and expected outcomes • Work with technical teams to apply platform best practices and ensure proper implementation • Communicate progress, issues, and results clearly to stakeholders Delivery & Execution • Manage assigned deliverables and contribute to project timelines • Ensure work is completed accurately, on time, and in alignment with requirements • Support releases and deployments, including validation and post-implementation checks Knowledge Sharing & Mentorship • Provide guidance to junior team members on development and testing best practices • Contribute to documentation, standards, and reusable components Minimum Education & Experience 3-5 years risk management strategy implementation experience in a FinTech / banking environment Bachelor’s degree in computer science, business administration, mathematics, engineering, or related quantitative discipline 3-5 years low-code decision engine system experience (GDS Link, Provenir, Decisions, Oscilar, etc.) Master’s degree in business, mathematics, engineering, or related discipline preferred Experience with implementing credit and fraud risk models (R, Python, SAS) preferred Data analysis experience (SQL, Excel, PowerBI) preferred Technical Knowledge and Skills Object-oriented programming expertise Experience implementing JavaScript in a back-end environment (e.g. NodeJS) Understanding of credit risk business domain Compensation Base Salary Range : $115,000 - $145,000 annually. Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description. Additional Compensation : This role will include a yearly annual target bonus based on individual performance. Working Arrangements This is a 100% remote role We’re currently hiring only within our core locations, which include Maryland (MD), District of Columbia (DC), Virginia (VA), Pennsylvania (PA), Delaware (DE), Indiana (IN), Illinois (IL), South Carolina (SC), Florida (FL), and North Carolina (NC). Why Join Us? Join a growing company with a culture that fosters an entrepreneurial spirit Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more? Company Contributions to your 401k - Regardless of your contribution Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more! Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities Supporting Businesses. Helping People. Strengthening Communities. Capital Bank, N.A. is an E-Verify, Affirmative Action and Equal Opportunity Employer.