Principal Software Engineer - Payments

Description

4 Days in the office from any of our locations in Johnston RI, Dallas TX, Pittsburgh PA, Nashville TN, Short Hills NJ, Westwood or Medford MA, or Phoenix AZ and couple other locations

Role is not relocation eligible.

Job Title: Principal of Software Engineer

Responsibilities

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.

Required Qualifications

• 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

Pay Transparency

The salary range for this position is $147,000 – $192,000 per year, plus an opportunity to earn additional incentive earnings (if applicable). Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experience. .

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

12/31/2026