AI Java Move Money Engineer

You will immerse yourself in our Java / Spring Boot ecosystem, applying modern engineering practices and tools (including GitHub Copilot) to build high quality, scalable, and resilient software solutions. As a senior AI engineer, you will guide implementation decisions and help accelerate the build out of platforms while ensuring they remain secure, extensible, and well positioned for future growth. In addition to core technical leadership, this role is expected to push the envelope on how AI assisted development and emerging AI capabilities are thoughtfully applied within our engineering practices., Responsibilities include:

• Provide technical leadership and hands on delivery for large, cross cutting initiatives across Client Bank Move Money platforms.

• Own solution design and architectural decisions for complex, multi system workflows spanning the entire payment lifecycle and across multiple payment networks and downstream integrations-ensuring solutions are scalable, secure, resilient, and aligned with long term platform strategy.

• Partner with product, architecture, and business stakeholders to translate roadmap initiatives and regulatory considerations into pragmatic technical approaches; influence scope, sequencing, and design tradeoffs to maximize business and technical outcomes.

• Act as a technical standard bearer within the organization-establishing patterns, best practices, and guardrails across code, integration, testing, and system design while mentoring engineers through influence rather than direct authority.

• Lead engineering execution, guiding technical direction, reviewing designs and implementations, and unblocking complex delivery challenges while remaining deeply engaged in critical code paths.

• Champion thoughtful use of AI assisted development practices, helping explore and evaluate how emerging AI capabilities can improve productivity, solution quality, and design effectiveness-while setting practical, responsible standards appropriate for a regulated financial environment.

• Drive engineering excellence and operational rigor, including automated testing, reliability, security, and production readiness; proactively identify architectural or systemic risks and lead mitigation efforts before client impact occurs.

• Support and evolve production systems, participating in complex issue triage and root cause analysis while using those insights to inform architectural improvements and long term resiliency.

We are seeking an engineer with experience in AI-driven software development, a strong understanding of regulatory requirements in banking, and a proven track record of implementing practical AI solutions to enhance productivity and system quality.

You will partner closely with product owners, architects, and engineering peers to translate business strategy into technical solutions-mentoring engineers, shaping standards, and leading delivery across high impact initiatives that provide key capabilities to clients across a diverse range of businesses at Schwab.

If you are motivated by owning complex technical problems, influencing architecture at scale, and serving as a technical standard bearer within a collaborative financial services environment, this role offers the opportunity to make a lasting impact while continuing to grow your career as a senior individual contributor.

To ensure that we fulfill our promise of “challenging the status quo,” this role has specific qualifications that successful candidates should have:

• Bachelor’s or Master’s degree in Computer Science, Information Technology, or a related field, or equivalent practical experience demonstrating deep technical leadership and system design expertise.

• 7+ years of experience designing, developing, and delivering large scale, distributed software systems, with deep hands on expertise in Java, Spring, and Spring Boot, including REST based APIs supporting high volume, high availability transactional environments.

• Demonstrated experience leading solution design and architectural decisions for complex, multi system initiatives-translating ambiguous business and regulatory requirements into scalable, resilient, and secure technical solutions.

• 5+ years of experience working with cloud native architectures, including containerized microservices, service orchestration, and distributed system integration in public or hybrid cloud environments.

• 7+ years of experience building and evolving CI/CD pipelines and deployment automation, using tools such as GitHub, GitLab, Bamboo, or equivalent, with a focus on reliability, repeatability, and operational rigor.

• Strong experience designing and enforcing automated testing strategies (unit, integration, and acceptance testing), balancing speed of delivery with long term system quality and maintainability.

• Proven experience working with distributed and relational data stores such as PostgreSQL, MS SQL Server, DB2, Aerospike, or similar technologies in complex transactional systems.

• Experience designing and operating event driven and messaging based architectures, using technologies such as Kafka, RabbitMQ, or equivalent, particularly in low latency or high throughput environments.

• Demonstrated experience implementing authentication and authorization mechanisms using

• industry standards such as OAuth, SAML, or related security frameworks., Experience designing or supporting move money platforms, particularly within regulated financial services environments.

• Exposure to one or more common payment networks such as NACHA, FEDWIRE, SWIFT, RTP, or FEDNOW.

• Prior involvement in platform modernization or first of kind initiatives within banking or payment providers, where underlying assumptions, controls, or product models were evolving.

• Experience applying AI assisted development techniques beyond basic code generation-such as design exploration, test generation, or developer workflow optimization-while operating within regulated environments

skills:

Aerospike,Kafka,APIs,AI,AI capabilities,AI solutions,Bamboo,automated testing,deployment automation,distributed system,event driven,GitHub Copilot,GitHub,GitLab,hybrid cloud environments,DB2,Computer Science,Information Technology,Java,expertise in Java,low latency,microservices,MS SQL Server,OAuth,PostgreSQL,RabbitMQ,relational data,REST based,SAML,architectural decisions,software development,software solutions,software systems,Spring,Spring Boot,high availability,resilient,reliability,acceptance testing,architecture,banking,business strategy,security frameworks,financial services environment,mentoring engineers,influencing,system quality,regulatory requirements,system design,technical leadership,technical standard