Responsibilities
- Design and implement core banking product and ledger logic for accounts, deposits, lending, fees, interest, limits, delinquency, posting rules, and lifecycle states.
- Build accurate, auditable, idempotent ledger postings and implement financial events such as accruals, compounding, billing cycles, and statement triggers.
- Develop APIs and integration services for payments, KYC, CRM, general ledger, data and analytics, fraud, and notification systems.
- Implement event-driven integrations with robust error handling, retries, reconciliation, and observability.
- Collaborate on data models, reporting extracts, and financial, risk, regulatory, audit, and compliance controls.
- Write unit, integration, and contract tests, including reconciliation scenarios and automated testing for financial logic.
- Support CI/CD releases and controlled promotion across development, test, and production environments.
- Troubleshoot production issues, perform root-cause analysis, improve stability and runbooks, and maintain technical documentation.
- Partner with product owners, subject matter experts, engineering, operations, security, risk, finance, and regulatory stakeholders.
- Contribute to engineering standards, reusable components, platform accelerators, and secure, scalable financial capabilities.
Requirements
- At least 5 years of experience developing APIs or integration services in regulated enterprise environments; banking or financial-services experience is strongly preferred.
- BA or MBA in IT, or 10+ years of relevant integration technology and core banking experience.
- Proven experience delivering core banking products using Thought Machine Vault or a comparable modern core and ledger platform.
- Strong understanding of double-entry accounting, ledgers, postings, balances, reconciliation, financial controls, and auditability.
- Experience implementing fees, interest, limits, repayment schedules, lifecycle events, and product configuration.
- Experience with payments such as SEPA, Faster Payments, or SWIFT, as well as card processing or transaction-monitoring patterns.
- Knowledge of regulatory reporting, audit trails, model governance, policy-as-code, data privacy, retention, and GDPR requirements.
- Experience with test automation for financial logic, including golden datasets, reconciliation harnesses, and simulation testing.
- Familiarity with data platforms, SQL, Snowflake or BigQuery, and ETL/ELT pipelines for reporting and analytics.
- Strong software engineering background in Python, Java, Kotlin, Go, or similar languages.
- Experience building REST or gRPC APIs and integration services, with familiarity with Kafka or equivalent event-driven architectures.
- Understanding of software design principles, Git, testing practices, cloud-native environments, containers, and production support.
- Experience with AWS, Azure, or GCP and Docker; familiarity with observability practices including logs, metrics, tracing, and SLOs.
- Preferred exposure to 4th-generation banking platforms such as Thought Machine or 10X, service mesh technologies such as Istio or Linkerd, zero-trust patterns, TOGAF, enterprise integration architecture, or API product management.
- Strong communication, collaboration, problem-solving, organizational, stakeholder-management, and regulatory judgment skills.
Benefits
- Flexible location across Ireland, Poland, and London, with work from a U.S. Bank location required three or more days per week.
- Market-competitive compensation package with clearly defined salary ranges and performance-based incentives for eligible employees.
- Inclusive benefits focused on financial wellbeing, health, and wellness.
- Training, education support, continuous development, and career progression opportunities.
- Employee recognition programs and an inclusive, accessible recruitment experience.
Tech Stack
Categories
About U.S. Bank
At U.S. Bank, we help millions of clients achieve their goals with a balance of best-in-class technology and human expertise tailored to individual needs. As the fifth-largest commercial bank in the United States, we’ve built a reputation for strength and stability across a diversified mix of businesses, including commercial and institutional banking, business banking, payments, wealth management and consumer banking. We’ve been named one of the World’s Most Ethical Companies® by the Ethisphere Institute and the most admired superregional bank by Fortune. In addition to thousands of branches serving consumers, U.S. Bank offers a complete suite of products, services and strategic partnerships for business. Within our Wealth, Corporate, Commercial and Institutional Banking division, we serve more than half a million clients across the country and around the world, ranging from wealthy individuals and families to the largest corporations, including 90% of Fortune 1000 companies. We’re also consistently recognized as a great place to work. We’re shaping our company culture with intention, focused on creating a workplace where it’s safe to speak up, share ideas and try new things. We’re proud to be recognized as a “Best for Vets” employer by the Military Times and included on Fair360’s (formerly DiversityInc.) list of Top 50 Companies for Diversity. U.S. Bank, NA. Member FDIC. Equal Housing Lender.