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

Application Deadline:

05/31/2026

Address:
1625 W. Fountainhead Parkway

Job Family Group:
Technology

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 the 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:

In-Depth level of proficiency:

• Experience working in 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, Postgress) 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, between 5 - 7 years of relevant experience and post-secondary degree in 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.
  • Certification on AWS Associate Architect and/or AWS Certified Developer

Salary :

$81,400.00 - $151,800.00

Pay Type:
Salaried

The above represents BMO Financial Group's pay range and type.

Salaries will vary based on factors such as 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 number of 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 Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit:

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.

To find out more visit us at

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.

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.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.