Principal Software Engineer, Fintech Jobs

Principal Software Engineer, Fintech

T-Mobile

Location:
United States , Frisco ▼
Atlanta

Category:
IT - Software Development

Contract Type:
Not provided

Salary:

133500.00 - 240700.00 USD / Year

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Job Description:

We’re building the next generation of payments, money movement, and digital financial services that serve millions of customers every day. As a Principal Software Engineer in Fintech, you’ll be a hands-on technical leader driving architecture, scalability, and innovation across real-time payment systems, data pipelines, and compliance-ready financial platforms. You’ll mentor engineers, influence architecture across multiple domains, and ensure our systems are resilient, observable, and secure. You’ll partner with Product, Compliance, and Risk teams to deliver financial experiences that are fast, transparent, and trustworthy — all while embodying the bold, innovative spirit of the Un-carrier.

Job Responsibility:

Lead the architecture and implementation of scalable, event-driven financial systems supporting payments, settlements, and reconciliations
Drive adoption of modern Java microservice patterns using Spring Boot, RESTful APIs, and contract-first design (OpenAPI)
Champion observability and production excellence — ensuring deep traceability, resilience, and performance across distributed systems
Mentor engineers across teams, establish best practices in design reviews, testing, and secure development
Partner with cross-functional leaders in Product, Compliance, and Security to align technology with business and regulatory needs
Serve as an expert resource in Fintech system design, security, and cloud-native delivery
Define and evolve the Fintech engineering roadmap — balancing innovation with compliance, scalability, and reliability
Evaluate emerging financial technologies and guide adoption of event streaming, data analytics, and automation frameworks
Quantify technical decisions with clear ROI, cost, and risk trade-offs
align architecture with long-term platform objectives
Contribute to engineering standards, API governance, and rollout/rollback strategies across the organization
Design and optimize batch and streaming data pipelines for settlements, reporting, and reconciliation using AWS Glue, Snowflake, and Kafka/EventBridge
Automate infrastructure delivery via Kubernetes (EKS), Docker, Helm, Terraform, and enforce strong pod and IAM security policies
Implement robust CI/CD and quality frameworks with Maven, SonarQube, and progressive delivery (blue/green, canary)
Lead incident response and RCA processes for complex production issues
codify learnings into reusable automations and runbooks
Contribute to intellectual property creation through innovative financial system design
Produce high-quality documentation of system architecture, APIs, and operational processes
Communicate complex technical concepts clearly to both engineering and executive stakeholders
Foster a learning culture through brown-bags, technical workshops, and mentoring

Requirements:

Bachelor’s degree in Computer Science, Software Engineering, or related field (required)
7-10+ years of software engineering experience with increasing scope and technical leadership
Demonstrated experience leading architecture or platform modernization in regulated or financial systems
Java 11+, Spring Boot, RESTful APIs, OpenAPI, backward-compatible versioning
Kafka or AWS EventBridge
schema registry with compatibility rules
PostgreSQL, DynamoDB, Redis, S3
clear transaction boundaries
performance-minded SQL/NoSQL design
Spring Batch / AWS Batch / Quartz
resilient, retryable, restartable jobs
AWS Glue (Jobs, Workflows, Crawlers, Data Catalog)
Snowflake (Snowpipe, Streams & Tasks, RBAC, masking, performance tuning)
Docker/Helm on EKS
HPA, pod security, Terraform automation
Maven, SonarQube
unit/integration/performance testing
SAST/DAST
dependency governance
blue/green and canary deployment
OpenTelemetry traces/metrics/logs
Splunk dashboards and alerts
end-to-end correlation across services
On-call leadership
JVM debugging (jstack, jmap)
RCA facilitation and preventive automation
OAuth2/OIDC, JWT hardening, mTLS
IAM least-privilege
secrets rotation (KMS/Secrets Manager)
OWASP Top 10/CWE mitigations
Kubernetes hardening
Rigorous code and design reviews, pair/mob programming, API governance, rollout and rollback strategies
Strong experience with Payments and Money Movement (e.g., ledgers, settlements, reconciliation, disputes)
Exposure to Risk & Compliance workflows such as KYC/KYB/AML orchestration, sanctions screening, or fraud prevention
Understanding of financial data handling and auditability (retention, masking, observability)

Nice to have:

Open Banking: Financial-grade API (FAPI), Financial Data Exchange (FDX), account opening and management
Regulatory Reporting & Data Residency: Data retention and auditability patterns
Ecosystem Familiarity: Processors, identity and fraud vendors, and partner integration models

What we offer:

Competitive base salary and compensation package
Annual stock grant
Employee stock purchase plan
401(k)
Access to free, year-round money coaches
Medical, dental and vision insurance
Flexible spending account
Employee stock grants
Employee stock purchase plan
Paid time off
Up to 12 paid holidays
Paid parental and family leave
Family building benefits
Back-up care
Enhanced family support
Childcare subsidy
Tuition assistance
College coaching
Short- and long-term disability
Voluntary AD&D coverage
Voluntary accident coverage
Voluntary life insurance
Voluntary disability insurance
Voluntary long-term care insurance
Mobile service & home internet discounts
Pet insurance
Access to commuter and transit programs

Additional Information:

Job Posted:
December 27, 2025

Employment Type:

Fulltime

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