Full-stack Engineer 4

Full-stack Engineer 4 As an Full-stack Engineer 4 in the Global Payment Network (GPN), you will leverage your technical acumen, domain knowledge, and strategic architecture vision to shape how our clients experience payment network systems and brands (Discover, Diners Club International, and Pulse). Operating as an individual contributor and principal technical authority, you will define, deliver, and operate technology solutions to power the systems, applications, APIs, and infrastructure meeting the rapidly evolving needs of a worldwide payment network. In this role, you will join the Partner Experience Tech (PXT) organization, which manages the "front door" of our payment network with external participants and payment systems. You will set technical and UI architecture strategies, establish modern frontend/API standards, evaluate third-party supplier solutions, and define pragmatic destination architectures with clear waypoint solutions. You will have the opportunity to leverage cutting-edge automation, including AI-native and agentic engineering solutions at scale, to drastically accelerate these modernization efforts and streamline connectivity across a high-volume, low-latency, and highly resilient distributed ecosystem. Within this global B2B client ecosystem, you will design and architect solutions across the full commercial lifecycle, supporting merchants, acquirers, payment gateways, and card issuers. Your scope spans Marketing & Engagement (public sites, prospect portals, marketing tools), Sales Enablement (prospect management, market intelligence, referrals), and Contract Management & Due Diligence (automated workflows, AI-assisted contract insights, risk/KYC assessments, contract execution). You will streamline client interaction across multiple payment network schemes while championing the user interfaces, system integrations, and automated capabilities that service both internal Capital One associates and external network participant teams. Together, we will increase network acceptance, grow the number of network participants, and unify our market-facing technologies. Do you love building and pioneering in the technology space? Do you enjoy solving complex business problems in a fast-paced, collaborative, inclusive and iterative delivery environment? At Capital One, you'll be part of a big group of makers, breakers, doers and disruptors who solve real problems and meet real customer needs. We are seeking Full-stack Software Engineers who are passionate about leveraging cutting-edge open source frameworks and emerging technologies. In this role, you’ll be at the forefront of driving a major transformation across Capital One. What You’ll Do:

• Lead a portfolio of diverse technology projects and a team of developers with deep experience in distributed microservices, and full stack systems to create solutions that help meet regulatory needs for the company
• Share your passion for staying on top of tech trends, experimenting with and learning new technologies, participating in internal & external technology communities, mentoring other members of the engineering community
• Collaborate with digital product managers, and deliver robust cloud-based solutions that drive powerful experiences to help millions of Americans achieve financial empowerment
• Utilize programming languages like Java, Scala, Python, Go, Node.js, JavaScript and TypeScript, Open Source RDBMS and NoSQL databases, Container Orchestration services including Docker and Kubernetes, and a variety of AWS tools and services
• Provide technical leadership and direction across Agile teams, setting standards for design, development, and operational excellence
• Partner with architects to define service boundaries, integration patterns, and reusable frameworks
• Proactively identify areas for improvement, implementing targeted refactoring and contributing to efforts that reduce technical debt and enhance system performance
• Influence long-term technology strategy through evaluation of emerging tools and practices in a ‘you build it, you own it’ environment

This role is designated as a hybrid position. You are expected to adhere to Capital One's hybrid policy regarding required on-site presence at your designated office location. Basic Qualifications:

• Bachelor's Degree or higher in Computer Science or a related quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Engineering)
• At least 4 years of experience in software engineering (Internship experience does not apply)
• At least 2 years of experience with public cloud platforms (AWS, GCP, Azure), cloud-based productivity tools, or virtualization technologies

Preferred Qualifications:

• Master’s Degree in Computer Science or a related field
• 7+ years of experience coding with more than two of the following: Go, Java, JavaScript/TypeScript, Python, Rust, C#, Scala
• 3+ years of experience with database and database management systems
• 3+ years of experience with AWS, GCP, Azure, or cloud-based productivity tools or virtualization technologies
• 4+ years of experience contributing to open source frameworks
• 3+ years of experience with front-end JavaScript or TypeScript frameworks
• 4+ years of experience creating synchronous and asynchronous APIs
• 3+ years of experience with CI/CD pipelines, infrastructure as code, and automated testing frameworks
• 3+ years of experience using Git-based version-control systems (e.g., Git, GitHub, Bitbucket)
• 3+ years of experience troubleshooting technical issues within cloud environments
• Experience leveraging modern AI-based coding tools and IDE copilots
• 1+ year of experience mentoring engineers and driving professional development within technical teams
• 1+ year of experience leveraging observability to identify and optimize performance bottlenecks in distributed systems
• Experience with interactive AI tooling to accelerate productivity, utilizing capabilities beyond basic code completion
• Experience leading cross-functional engineering efforts or large-scale technical initiatives
• Experience establishing and enforcing coding standards and design patterns across teams

At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (e.g. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-3, and O-1, or any other forms of work authorization that require immigration support from an employer). The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Chicago, IL: $179,400 - $204,700 for Full-stack Engineer 4 Riverwoods, IL: $179,400 - $204,700 for Full-stack Engineer 4 Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the [Capital One Careers website](#). Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at View phone number on joinrs.com or via email at [View email address on joinrs.com](#). All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to [View email address on joinrs.com](#) Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).