Backend Software Engineer, Digital Banking - Payments

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Joining Amex Tech means discovering and shaping your contribution to something big. Here, you can work alongside talented tech teams and build a unique career with the Powerful Backing of American Express. With a range of opportunities to work with the latest technologies, and a commitment to back the broader engineering community through open source, our mission is to power your success. Because Amex Tech is powered by our technology, our culture, and our colleagues.

The Bill Payment platform provides a great opportunity to solve sophisticated challenges and to build novel technology to power the next generation of Amex financial products. We are a team of entrepreneurial disruptors with a great FinTech Engineering culture at the forefront of innovation in the industry. We are building amazing GraphQL and APIs, intelligent payment routing decision engines, an ISO20022 framework, AI/ML driven data pipelines, and fluid integrators with Global Payment Infrastructure and the banking system.

Our team is responsible for mission critical customer journeys, including “Pay your Amex Bill,” “Plan your Payment” and “Get a Loan.” Our goal is to decouple our assets, such as our ACH engine and bank validation, and make it easy for others in the company to build world class customer experiences.

We are looking for Engineers that are open-minded, willing to learn, and are passionate about building great software. As we decide if an Engineer is a fit for our Team, we will not focus solely on experience or languages used, but the ability to think out of the box and approach problems with a clever mentality. We are motivated by The Twelve-Factor App principles, and we have picked modern ergonomic languages that improve efficiency and readability, i.e., modern JVM: Quarkus/Micronaut/Ktor with Kotlin and lightweight Go command tools. Architecture is event driven microservices using Kafka, Workflow Orchestration and polyglot-persistence layers including Postgres, Cassandra and Oracle.

Responsibilities:

• Build software as part of a nimble agile Team where you have every chance to create an impact on the bottom line and contribute to the architecture.


• Ensure our infrastructure is safely extensible, scalable, reliable and meets SLAs for both external and internal users.


• Build a brand for our platform composed of amazing APIs, Developer Portal, Tutorials and SDKs.


• Ensure our solutions are testable, intuitive, and easy to maintain.


• Use innovative tools for remote collaboration and developer happiness, i.e., IntelliJ CodeWithMe and Tuple


• Participate in design and code reviews for key components and cross Enterprise initiatives.

Qualifications:

• Experience in backend reactive programming languages: Java 8+ and/or Kotlin.


• Consistent track record developing lightweight reactive microservices: Vert.x, Quarkus, Micronaut or Spring Boot.


• Deep understanding of event driven architecture and messaging: Kafka, webhooks, asynchronous API design.


• Experience with PostgreSQL, Oracle, or equivalent relational databases.


• Experience working as an individual contributor as part of a multi-functional agile team. Experience in FinTech is a massive plus.


• Experience in supporting critically important platforms with high levels of availability and service continuity.


• Proven experience in cloud-based architecture and distributed systems.


• Outstanding written and communication skills and can express dissenting opinions constructively.


• Self-directed and able to work in an ambiguous environment through the innovation process.


• Care about learning and being open minded about switching approaches and experimenting.


• Value collaboration and put the Team interests always above self.

Salary Range: $85,000.00 to $150,000.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries


• Bonus incentives


• 6% Company Match on retirement savings plan


• Free financial coaching and financial well-being support


• Comprehensive medical, dental, vision, life insurance, and disability benefits


• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need


• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy


• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)


• Free and confidential counseling support through our Healthy Minds program


• Career development and training opportunities

For a full list of Team Amex benefits, visit our .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.