Wells Fargo

Principal Engineer Financial Crime — AI & Modernization

Wells Fargo$159K — $305K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 7+ years of engineering experience in a relevant field
  • 7+ years in architecting and delivering large-scale solutions
  • 4+ years experience presenting technology strategies to C-level executives
  • 5+ years in delivering cloud-ready and cloud-native solutions
  • 2+ years in AI-powered tool development or deployment

Responsibilities

  • Define technology strategy for financial crime initiatives
  • Lead the design of AI-powered investigation and decisioning platforms
  • Establish engineering standards and design patterns
  • Review architecture for security and performance
  • Collaborate to translate business needs into technical solutions

Benefits

  • Health benefits
  • 401(k) Plan
  • Paid time off
  • Disability benefits
  • Life insurance and critical illness insurance
  • Parental leave
  • Tuition reimbursement
  • Adoption reimbursement
Full Job Description

About this role:

This is a rare opportunity to influence the strategic technology direction of critical enterprise capabilities spanning anti-money laundering, fraud detection, sanctions screening, customer risk assessment, transaction monitoring, and investigative operations. The successful candidate will operate at the intersection of cutting-edge AI innovation and large-scale distributed systems, designing intelligent platforms that enable faster decision making, improve risk outcomes, and enhance operational effectiveness across the organization.

As the one of the highest levels of technical authority within the engineering organization, you will define architectural vision, establish engineering standards, and lead the design and delivery of cloud-native, AI powered platforms that serve as foundational capabilities for the enterprise. This role is ideal for a distinguished engineer who combines deep technical expertise with a passion for solving some of the industry's most complex and consequential challenges.

While strategic leadership is essential, success in this role also requires a hands-on mindset. You will actively influence architecture, develop prototypes, review critical designs and code, mentor engineering teams, and help accelerate the delivery of innovative solutions that will shape the future of financial crime prevention.


KEY RESPONSIBILITIES


Technical Leadership & Architecture

  • Define and drive the long-term technology strategy for Financial Crime modernization initiatives.

  • Lead architecture and implementation of AI-powered investigation platforms, decisioning engines, and agentic workflows.

  • Establish engineering standards, design patterns, and reference architectures across Financial Crime platforms.

  • Serve as the highest-level technical reviewer for architecture, security, scalability, resiliency, and performance decisions.

  • Lead technical design reviews and influence enterprise architecture direction.

AI & Agentic Engineering

  • Design and implement GenAI and Agentic AI solutions for:

    • Investigator copilots

    • Alert triage and disposition

    • Risk assessment

    • Entity resolution

    • SAR narrative generation

    • Customer screening

    • Knowledge retrieval and decisioning

  • Evaluate and implement modern AI frameworks including LLM orchestration, agent frameworks, vector databases, RAG architectures, model routing, guardrails, and observability.

  • Partner with Data Science teams to operationalize AI/ML models into scalable production platforms.

Engineering Excellence

  • Write and review high-quality production code when necessary.

  • Lead proof-of-concepts, rapid prototyping, and technical spikes.

  • Mentor senior engineers and establish best practices for software engineering.

  • Drive automation, CI/CD, DevSecOps, testing, and operational excellence.

  • Resolve complex technical challenges across multiple platforms and teams.

Platform Modernization

  • Lead migration from legacy Financial Crime applications to cloud-native architectures.

  • Architect scalable microservices, event-driven systems, and API-first platforms.

  • Design enterprise capabilities for:

    • Real-time risk assessment

    • Customer screening

    • Case management

    • Regulatory reporting

    • AI orchestration

    • Data ingestion and processing

  • Drive modernization using cloud technologies and enterprise platforms.

Stakeholder Partnerships

  • Collaborate with Product, Compliance, Risk, Operations, Data Science, and Engineering leadership.

  • Translate business needs into scalable technical solutions.

  • Present architecture strategies and modernization roadmaps to senior technology executives.

Required Qualifications:

  • 7+ years of Engineering experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

  • 7+ years architecting, designing and leading the delivery of large-scale solutions

  • 4+ years’ experience presenting technology strategy and concepts to C-level executives and large audiences

  • 5+ years’ experience delivering cloud ready and cloud native solutions


Desired Qualifications:

  • 2+ years of experience developing or deploying AI‑powered tools, chatbots, LLM‑based automation, or agentic workflows, including understanding of AI risks, observability needs, and stakeholder communication

  • 4+ years of Financial Services industry

  • Excellent verbal, written, and interpersonal communication skills.

  • Ability to prioritize work, meet deadlines, achieve goals, and work under pressure.

  • Strong analytical skills and ability to solve complex technical problems.

Job Expectations and Core Values:

  • Be Humble: You're smart yet always interested in learning from others

  • Work Transparently: You always deal in an honest, direct, and transparent way.

  • Take Ownership: You embrace responsibility and find joy in having the answers

  • Learn More: You regularly self-educate and improve your skill set.

  • Show Gratitude: You show appreciation and respect to those you work with 

This position offers a hybrid work schedule

Relocation assistance is not available for this position

Pay Range

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

$159,000.00 - $305,000.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit  for an overview of the following benefit plans and programs offered to employees.

  • Health benefits
  • 401(k) Plan
  • Paid time off
  • Disability benefits
  • Life insurance, critical illness insurance, and accident insurance
  • Parental leave
  • Critical caregiving leave
  • Discounts and savings
  • Commuter benefits
  • Tuition reimbursement
  • Scholarships for dependent children
  • Adoption reimbursement

Posting End Date:

6 Aug 2026

*Job posting may come down early due to volume of applicants.

About Wells Fargo

Wells Fargo Careers

Joining Wells Fargo means becoming part of a distinguished financial institution that has been a cornerstone of innovation and leadership in the banking industry. At Wells Fargo, we offer a plethora of job opportunities designed to empower your career growth and development in a diverse and inclusive environment.

Work You’ll Do

At Wells Fargo, you will be part of a team that values diversity and is committed to fostering an inclusive culture. We are looking for professionals who are eager to drive innovation and lead with integrity. Our employees are our greatest asset, and we invest in their professional growth through comprehensive leadership and diversity training programs that are recognized industry-wide.

Explore a Multitude of Career Paths

Whether you're interested in a position in finance, IT, customer service, or management, Wells Fargo has career opportunities in various fields. Our team members benefit from job stability, competitive benefits, and a culture that values and rewards performance and dedication.

Internship Programs

Kickstart your career with a Wells Fargo internship. Our programs provide invaluable industry exposure, professional skills development, and networking opportunities that often lead to full-time employment offers. Interns at Wells Fargo work on real projects, solve actual challenges, and gain the mentorship of seasoned professionals.

Professional Growth and Development

We believe in nurturing the potential of our employees. Wells Fargo offers robust training programs and resources to help every team member excel in their current roles and prepare for future challenges. Growth at Wells Fargo is not just about climbing the career ladder but expanding your skills and expertise to add value to our team and customers.

Benefits and Rewards

Wells Fargo is committed to the well-being of our team members. We offer a comprehensive benefits package that includes health care, retirement plans, and generous paid time off. Additionally, we provide unique perks like employee discounts, adoption assistance, and tuition reimbursement.

Join Our Team

Discover the opportunities waiting for you at Wells Fargo by exploring open positions that match your skills and interests. We are continuously hiring and looking for individuals who bring creativity, passion, and a drive to serve our customers.

Stay Connected

Keep up to date with the latest from Wells Fargo Careers by subscribing to our job alert emails. Tailor your subscription to receive updates that align with your career preferences and get insider tips on crafting the perfect resume and acing your interview.

Networking and Innovation

At Wells Fargo, networking and innovation go hand in hand. We encourage our employees to connect across departments and roles to foster new ideas and strategies that lead to groundbreaking solutions.

Empower Your Career

Step into a role at Wells Fargo where your skills will be honed, your achievements recognized, and your career can flourish. We're not just filling positions; we're building leaders who are equipped to navigate the complexities of the financial world. Join Wells Fargo today and be part of a team that’s redefining the future of banking.
Learn more about Wells Fargo
Size
246,577 employees
Market Cap
$155.2 billion
Industry
Net Income
$3.3 billion
Founded
1852
5 Year Trend
-5.9%
NASDAQ

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