Responsibilities
- Design and implement core banking product logic for accounts, deposits, lending, fees, interest, limits, delinquency, and lifecycle events.
- Build accurate, auditable, idempotent ledger-posting logic aligned with accounting principles.
- Configure product parameters, lifecycle states, financial events, schedules, and contract-style logic using Thought Machine Vault or an equivalent framework.
- Develop integration services and APIs for payments, KYC, CRM, general ledger, data and analytics, fraud, and notification systems.
- Implement event-driven integrations with error handling, retries, reconciliation, and observability.
- Develop data models, reporting extracts, and controls for Finance, Risk, and regulatory needs.
- Write unit, integration, and contract tests for financial logic, including edge cases and reconciliation scenarios.
- Support controlled product releases, troubleshoot production issues, maintain runbooks and technical documentation, and contribute to reusable engineering components.
- Partner with Product Owners, subject-matter experts, engineering, operations, security, risk, and other stakeholders to deliver compliant banking capabilities.
Requirements
- At least 5 years of experience developing APIs or integration services in regulated enterprise environments.
- BA or MBA in IT, or 10+ years of experience in integration technology and core banking.
- Direct experience delivering core banking products using Thought Machine Vault or a comparable modern core or 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, payments, card processing, or transaction monitoring patterns.
- Experience with test automation for financial logic, such as golden datasets, reconciliation harnesses, and simulation testing.
- Strong software engineering experience with one or more of Python, Java, Kotlin, Go, or a similar language.
- Experience building APIs and integration services using REST or gRPC and familiarity with event-driven architecture such as Kafka.
- Knowledge of software design principles, Git, testing practices, cloud-native environments, containers, observability, debugging, and incident response.
- Familiarity with AWS, Azure, or GCP; Docker; data platforms such as SQL, Snowflake, or BigQuery; and ETL/ELT pipelines.
- Knowledge of regulatory reporting, audit trails, model governance, policy-as-code, data privacy, retention requirements, and operational controls.
- Banking domain knowledge including SEPA or SWIFT payments, card processing, transaction monitoring, AML/KYC, and customer onboarding is preferred.
- Exposure to Thought Machine, 10X, service mesh technologies, zero-trust patterns, TOGAF, enterprise integration architecture, or API product management is preferred.
- Strong communication, collaboration, relationship management, analytical, decision-making, and problem-solving skills, with the ability to work with third parties and regulators.
- Ability to operate with professionalism, integrity, diligence, adaptability, and accountability in a regulated environment.
Benefits
- The role requires working from a U.S. Bank location three or more days per week.
- The company offers inclusive benefits focused on financial wellbeing, health, and wellness.
- Eligible employees may receive performance-based incentives under applicable plan rules.
- Benefits include continuous development, training, education support, career progression pathways, and employee recognition programs.
- The company provides an inclusive and accessible recruitment experience with accommodations available during hiring.
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.