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# Principal Engineer - AI, Digital Payments & Technology Transformation

- **Company:** Wells Fargo
- **Location:** Concord, CA, United States
- **Experience:** Expert
- **Salary:** $191,000.0 - $305,000.0
- **Contract:** Permanent contract
- **Skills:** Application Programming Interfaces (APIs), Artificial Intelligence, Payment Systems, Software Engineering, Generative AI, Agentic-AI, Api Design
- **Published:** October 13, 2026
- **Apply:** https://www.indeed.com/viewjob?jk=88db91079a47ec9a

## About the Role

* 7+ years of Engineering experience, or equivalent demonstrated through work experience, training, military experience, or education.
 * 5+ years of experience leading enterprise-scale modernization or technology transformation initiatives.
 * 4+ years of experience with API and integration strategy.
 * 2+ years of experience with event-driven and asynchronous architectures.
 * 2+ years of experience with Generative AI, Agentic AI, intelligent automation, or AI-assisted software engineering.

Desired Qualifications:

 * Experience deploying AI capabilities into production environments.
 * Experience with AI governance, controls, responsible AI, and AI-enabled modernization.
 * Strong executive communication and technical storytelling skills.
 * Proven ability to influence and partner with senior stakeholders across business and technology.
 * Strong cross-functional leadership, coaching, and mentoring capabilities

## Description

Wells Fargo is seeking an exceptional Principal Engineer to serve as a technology visionary, transformation leader, and innovation catalyst within Consumer Payments Technology. We are looking for a senior technology leader who can influence enterprise strategy, accelerate modernization initiatives, and drive adoption of Artificial Intelligence across engineering and business domains. This individual will act as a trusted advisor to executives, architects, product leaders, and engineering teams while helping shape the future of digital payments and customer experiences. They will operate with a "Forward Deployed Engineer" mindset, partnering closely with stakeholders to solve complex business challenges through innovative technology solutions.

This role supports the organization's ongoing transformation toward modern, cloud-enabled, highly resilient, API-driven platforms designed to improve customer experience, accelerate delivery velocity, strengthen operational resiliency, and enable future business growth.

In this role, you will:

 * Lead large-scale digital payments and money movement modernization initiatives
 * Establish target-state architectures that improve scalability, resiliency, performance, maintainability, and speed to market.

 * Identify and deploy Generative AI, Agentic AI, intelligent automation, and AI-assisted engineering solutions.
 * Champion the adoption of Generative AI, intelligent automation, digital engineering accelerators, and emerging technologies.

 * Promote modern engineering principles, platform reuse, domain-oriented design, and API-centric architectures.
 * Drive engineering practices that improve reliability, observability, security, and operational excellence.

 * Partner directly with product, business, and technology leaders to solve critical business challenges.
 * Lead strategic discovery efforts, prototypes, proofs of concept, and transformational initiatives.
 * Mentor senior engineers, architects, and engineering leaders while fostering innovation and continuous learning., * Deliver measurable AI-enabled engineering productivity improvements. Advance enterprise architecture and reusable technology capabilities.
 * Improve platform reliability, resiliency, scalability, and performance.
 * Influence strategic technology direction across Consumer Payments.

 * Develop future engineering leaders and serve as a trusted technology advisor.
 * This position offers a hybrid work schedule
 * This position is not eligible for Visa sponsorship