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Agent guide: [/agents.md](https://www.wearedevelopers.com/agents.md). --- # Principal Software Engineer - Payments - **Company:** Citizens Financial Group - **Location:** United States (Remote available) - **Experience:** Expert - **Salary:** $147,000 - $192,000 - **Contract:** Permanent contract - **Skills:** C (Programming Language), Java (Programming Language), JavaScript (Programming Language), Application Programming Interfaces (APIs), Amazon Web Services, Amazon Elastic Compute Cloud, Amazon S3, Apache HTTP Server, Microsoft Azure, Bash Shell, Big Data, C++ (Programming Language), Cloud Computing, Apache Lucene, Databases, Continuous Integration, Data Structures, Linux, Payment Systems, Middleware, Oracle Exadata, IBM WebSphere MQ, Python (Programming Language), Mainframes, Memcached, NoSQL, Oracle (Applications), Commercial Software, RabbitMQ, Release Management, Ruby, Software Engineering, Software Vulnerability Management, Web Application Frameworks, Datadog, Circleci, SSL Certificate Management, Load Balancing, Cyberark, ReactJS, Grafana, Database Performance, Vue.js, AngularJS, Information Technology, Apache Kafka, Bitbucket, Api Design, Qualys, Jenkins, Golang, Programming Languages - **Published:** November 13, 2026 - **Apply:** https://www.builtincolorado.com/job/principal-software-engineer-payments/12207959?handler=ApplyRedirect ## About the Role * 7+ years of hands-on software development, with proven experience in developing and supporting commercial software products which were sold to non-technical customers in vertical markets * Demonstrated ability to lead and mentor software engineers * 5+ years experience in querying, analyzing and managing big data * Mastery of multiple programming languages, including at least one front end framework (Angular/React/Vue), such as Python3, Java, JavaScript, Ruby, Golang, C, C++, etc. * AWS/AZURE/GCP experience, including managing sensitive assets * Bash and Linux experience * Experience with CICD pipeline (CircleCI, Jenkins, or equivalent) * Strong communication (both oral and written) and interpersonal skills * Cloud certifications such as AWS Solutions Architect * Understand data structure concepts such as linked lists, dictionaries, arrays, custom object creation, etc Desired Qualifications * 3+ years of experience in the financial services industry, developing solutions for consumer banking, portfolio management, trading, compliance or wealth management * Understanding of banking system and custodial and consumer banking operations * Experience with Apache, Lucene, Memcache, RAbbitMQ and NoSQL * Experience designing API layers and service orchestration between legacy and modern payment platforms, and maintaining solution architecture documentation * Experience with change and release management (CAB approvals, implementation and backout planning, post-release hypercare), CI/CD tools such as Bitbucket and Harness, privileged access management (e.g., CyberArk), and vulnerability remediation (e.g., Qualys) * Experience with Oracle Exadata and Tessell database platforms is a plus * Ability to analyze Oracle AWR and PerfHub reports to diagnose and resolve database performance issues such as lock contention and transaction latency is a plus * Hands-on experience with AWS infrastructure (EC2, EFS, S3, load balancers), Linux performance diagnostics (e.g., SAR), and observability tools such as Datadog is a plus * Experience with IBM MQ (including high-availability configurations and certificate management), middleware integration with mainframe systems, and Kafka- and API-based integrations; familiarity with sanctions screening tools such as Firco is a plus * Knowledge of ACH payment processing and NACHA file standards, including SEC codes, IAT, returns and NOCs, memo and hard posting, settlement, GL reconciliation, and Same Day ACH is a plus Education and Certifications * Required: Bachelor's degree in Software Engineering, Computer Science, Engineering, Mathematics or related discipline * Preferred: Master's degree in Software Engineering, Computer Science or related discipline ## Description Lead software architecture, design, development, and implementation for banking and payments solutions. Mentor engineering teams, collaborate on enterprise architecture, build scalable distributed services, manage vulnerabilities, and support Agile delivery. Work includes cloud platforms, CI/CD, big data, API integration, payment systems, legacy modernization, and technical performance troubleshooting., Your role as Principal of Software Engineering is to work with engineering teams and architecture to produce high-quality technology solutions. You will be given the autonomy to lead, design and develop innovative solutions to some of the biggest technical issues facing the banking industry. As Principal, you will serve as a peer-leader tasked with pursuing cutting-edge initiatives and solutions. The breadth of Citizens operations ensures a diversity of projects as the bank pivots towards innovation and customer experience. The Principal Software Engineer will be responsible for: * Participating in an environment rapidly transforming to the Agile methodology, adhering to best practices and collaborating effectively with your team mates. * Collaborating and contributing insight to solution design ideation, ensuring both the success of the product and adherence to enterprise architecture principles. * Designing, modifying, developing and implementing software solutions. Building modern, architecturally sound components, tools and applications to meet mission-driven strategic business goals. * Infusing quality of service characteristics, such as scalability, manageability and maintainability, into distributed service-based framework to create or expand business or technical capabilities. * Employing industry best practices to evaluate, correct and prevent vulnerabilities during the software development process. * Serving as a peer-leader, encouraging a culture of innovation and accountability while adhering to Agile best practices., Leads a team managing ADA and PWFA accommodation claims, ensuring accurate, timely, compliant claim adjudication and strong customer service. Responsibilities include coaching employees, managing performance and workloads, reviewing claim files and calls, identifying process improvements, administering concurrent disability and leave claims, mitigating risk, and communicating operational updates. The role requires disability or absence management expertise, sound judgment, knowledge of applicable regulations, and effective stakeholder collaboration.