Bank of America Corporation

Software Engineer lll - Payments Modernization

Bank of America Corporation$102K — $179K *
Plano, TX 75025In-Person
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 7+ years of hands-on software engineering experience in mission-critical systems.
  • 7+ years with Java and Spring Boot for microservices in low-latency environments.
  • 2+ years of technical leadership experience in delivery for small to mid-sized teams.
  • Experience with event-driven architectures using Kafka for backend integrations.
  • Solid experience with Oracle, including schema design and performance tuning.

Responsibilities

  • Codes solutions and unit tests to meet defined acceptance criteria and compliance.
  • Designs, develops, and modifies architecture components while maintaining integrity.
  • Mentors engineers and coaches the team on CI/CD practices and tools.
  • Executes story refinement and estimates work for delivery lifecycle.
  • Automates manual release activities for operational efficiency.
  • Designs and maintains automated test suites across multiple layers.

Benefits

  • Access to industry-leading benefits package.
  • Paid time off to support work-life balance.
  • Resources and support for professional development and growth.
Full Job Description

Job Description:
This job is responsible for developing and delivering complex requirements to accomplish business goals. Key responsibilities of the job include ensuring that software is developed to meet functional, non-functional and compliance requirements, and solutions are well designed with maintainability/ease of integration and testing built-in from the outset. Job expectations include a strong knowledge of development and testing practices common to the industry and design and architectural patterns.

Responsibilities:

  • Codes solutions and unit test to deliver a requirement/story per the defined acceptance criteria and compliance requirements

  • Designs, develops, and modifies architecture components, application interfaces, and solution enablers while ensuring principal architecture integrity is maintained

  • Mentors other software engineers and coach team on Continuous Integration and Continuous Development (CI-CD) practices and automating tool stack

  • Executes story refinement, definition of requirements, and estimating work necessary to realize a story through the delivery lifecycle

  • Performs spike/proof of concept as necessary to mitigate risk or implement new ideas

  • Automates manual release activities

  • Designs, develops, and maintains automated test suites (integration, regression, performance)

Required Qualifications:

  • 7+ yearsof handson software engineering experience, including building and supporting missioncritical systems.

  • 7+ yearsof handson experience withJavaandSpring Bootbuilding microservices for missioncritical, lowlatency systems.

  • 2+ yearsoftechnical leadershipexperience (Feature Lead / Tech Lead / Senior Engineer) leading delivery for a small to midsized engineering team.

  • Experience witheventdriven architectures using Kafka(topic design, consumer groups, streaming patterns, integration with backend services).

  • Solid experience withOracle(or similar RDBMS) including schema design for payments, performance tuning, and transactional integrity.

  • Knowledge of wire processing workflows including initiation, compliance screening, enrichment, routing, settlement, exception handling, and investigations.

  • Experience designing and deploying services usingcontainers(Docker) andKubernetes, including configuration, scaling, and rollout strategies, preferably on a cloud or privatecloud platform.

  • Ability to ensure solutions meet regulatory and compliance requirements (OFAC, AML, sanctions, risk controls).

  • Expertise applying architectural patterns, integration design, eventdriven or microservices patterns, and modern engineering frameworks.

  • Strong handson experience developing automated test suites, ensuring coverage across MT/MX message validation, schema compliance, routing logic, performance, and resiliency.

  • Experience setting up and maturingCI/CD pipelineswith automated quality gates, schema validations, regression packs, and safe deployment controls for missioncritical systems.

  • Ability to troubleshoot and resolve complex technical issues across distributed systems, including message parsing failures, routing defects, latency issues, or integration errors.

  • Excellent mentoring, communication, and collaboration skills to support engineering teams and influence technical direction across architecture, product, operations, and compliance partners.

Desired Qualifications :

  • Familiarity with Federal Reserve Operating Circular 8, CHIPS Operating Rules, and SWIFT Standards related to wire message structures and processing requirements.

  • 3+ yearsworking in highvalue payments, preferably in US Wires (Fedwire, CHIPS) and/or SWIFT crossborder payments.

  • Experience supporting or engineering for highvalue, lowlatency payment systems, including performance tuning, message parsing optimization, and resiliency patterns.

  • Exposure to fraud detection, sanctions screening engines, and other risk systems integrated into wire processing flows.

  • Knowledge of endtoend wire operational workflows including exceptions, repairs, adjustments, investigations, and settlement cycles.

  • Experience implementing or integrating monitoring/observability platforms (e.g., Splunk, ELK, AppDynamics, Dynatrace) for wire transaction tracing and operational insights.

  • Experience in cloud modernization or microservices transformation for wire or other regulated financial systems.

  • Experience with UI frameworks (e.g., Angular) and/or Node.js for building operational tools, dashboards, or auxiliary services around wire platforms.

  • Ability to collaborate with Compliance, Risk, Operations, and business SMEs to ensure solutions meet regulatory, operational, and audit requirements.

Shift:

1st shift (United States of America)

Hours Per Week:

40

Pay Transparency details

US - NJ - Jersey City - 101 Hudson St - 101 Hudson (NJ2101)

Pay and benefits information

Pay range

$102,900.00 - $179,900.00 annualized salary, offers to be determined based on experience, education and skill set.

Discretionary incentive eligible

This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.

Benefits

This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

About Bank of America Corporation

Bank of America Merrill Lynch is the corporate and investment banking division of Bank of America. It provides services in mergers and acquisitions, equity and debt capital markets, lending, trading, risk management, research, and liquidity and payments management. It was formed through the combination of the corporate and investment banking activities of Bank of America and Merrill Lynch following the acquisition of the latter by the former in January 2009. Bank of America completed the acquisition of Merrill Lynch & Co on 1 January 2009. Bank of America began rebranding all of its corporate and investment banking activities under the Bank of America Merrill Lynch name in September 2009. In April 2010, Bank of America Merrill Lynch appointed Christian Meissner as head of investment banking for Europe, Middle East and Africa. In April 2011, Bank of America Merrill Lynch integrated its corporate and investment banking operations into a single division. In October 2013, Bank of America Merrill Lynch was recognised as the Most Innovative Investment Bank of the Year in The Banker's Investment Banking Awards.

Bank of America Corporation Careers

Join the dynamic team at Bank of America Corporation, a premier global financial institution where innovation, leadership, and growth go hand in hand. As one of the largest banks in the world, we offer unparalleled job opportunities and a culture that values diversity, inclusion, and professional growth. Work You’ll Do At Bank of America Corporation, you’ll be part of a team that’s dedicated to making a real difference. Whether you’re helping families buy their first home, advising businesses on expansion, or developing cutting-edge financial technologies, your work will have an impact. Our commitment to leadership in the financial industry has never been stronger, and we need passionate, skilled professionals to lead our journey. Explore a World of Opportunities From entry-level positions to leadership roles, Bank of America Corporation offers a variety of career paths in areas such as investment banking, technology, marketing, and risk management. Our job opportunities span the globe, providing the chance to work alongside the best in the industry and develop skills that will propel your career forward. Internship Programs Kickstart your career with Bank of America Corporation’s internship programs. These opportunities provide hands-on experience and a chance to engage in meaningful work that complements your academic studies. Interns gain invaluable networking opportunities, receive mentorship from seasoned professionals, and learn about the culture and operations of a global financial leader. Benefits and Growth Bank of America Corporation is committed to the well-being and continuous professional development of our team members. We offer a competitive benefits package that supports the health, financial stability, and work-life balance of our employees. Our training programs and development initiatives ensure that every team member has the opportunity to grow and advance within the company. Inclusive Culture We believe our strength lies in our diversity. Bank of America Corporation fosters an inclusive environment where all employees can thrive. Through diversity training and a commitment to equal opportunities, we cultivate leadership and innovation that reflect the wide-ranging communities we serve. Join Our Team Are you ready to advance your career at a company that’s at the forefront of the financial industry? Explore the positions available at Bank of America Corporation and find where your skills and interests align with our needs. We are continuously hiring and looking for individuals who are curious, creative, and eager to drive change. Stay Connected Keep up to date with the latest from Bank of America Corporation Careers by subscribing to our job alert emails. Tailor your subscription to receive updates that match your career interests and get insider tips that can help you during your application and interview process. Bank of America Corporation is not just a company—it’s a place where you can shape your future and the future of finance. Join us and be part of a team that’s redefining what a bank can be.
Learn more about Bank of America Corporation
Size
208,000 employees
Market Cap
$260.3 billion
Industry
Net Income
$17.8 billion
Founded
1998
5 Year Trend
-1.4%
NASDAQ

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