What are the responsibilities and job description for the Senior Software Engineer, Digital Banking & Payments position at American Express?
Job Description
Joining Amex Tech means discovering and shaping your contribution to something big. Here, you can work alongside talented tech teams and build a unique career with the Powerful Backing of American Express. With a range of opportunities to work with the latest technologies, and a commitment to back the broader engineering community through open source, our mission is to power your success. Because Amex Tech is powered by our technology, our culture, and our colleagues.
The Technology organization enables and accelerates the company’s growth strategies, delivering global capabilities and services in support of Amex’s customers and colleagues, while maintaining 24/7 servicing and availability to ensure an uninterrupted, high-quality customer experience. Technology provides the foundation for everything we do in the company while driving differentiation through building and leveraging innovative technology and data insights.
The Digital Banking & Payments organization is building the next generation of banking and payment capabilities that power customer experiences across American Express. Our platform enables teams to launch and scale financial products while supporting critical money movement, payment processing, settlement, reconciliation, and data services.
Responsibilities
We are seeking engineers who are passionate about solving complex business problems through innovation, engineering excellence, and modern data practices. As a Senior Mainframe & Data Engineer, you will help evolve core transaction processing and data platforms that operate at enterprise scale while enabling greater agility, real-time processing, and integration across the Digital Banking ecosystem.
You will partner closely with product, engineering, and operations teams to deliver resilient, scalable, and high-performing solutions. We embrace a culture of experimentation, continuous learning, and collaboration, and welcome individuals who challenge assumptions and drive meaningful improvements.
Responsibilities
Qualifications – Required
About Us
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
About The Team
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster.
The below represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.
Joining Amex Tech means discovering and shaping your contribution to something big. Here, you can work alongside talented tech teams and build a unique career with the Powerful Backing of American Express. With a range of opportunities to work with the latest technologies, and a commitment to back the broader engineering community through open source, our mission is to power your success. Because Amex Tech is powered by our technology, our culture, and our colleagues.
The Technology organization enables and accelerates the company’s growth strategies, delivering global capabilities and services in support of Amex’s customers and colleagues, while maintaining 24/7 servicing and availability to ensure an uninterrupted, high-quality customer experience. Technology provides the foundation for everything we do in the company while driving differentiation through building and leveraging innovative technology and data insights.
The Digital Banking & Payments organization is building the next generation of banking and payment capabilities that power customer experiences across American Express. Our platform enables teams to launch and scale financial products while supporting critical money movement, payment processing, settlement, reconciliation, and data services.
Responsibilities
We are seeking engineers who are passionate about solving complex business problems through innovation, engineering excellence, and modern data practices. As a Senior Mainframe & Data Engineer, you will help evolve core transaction processing and data platforms that operate at enterprise scale while enabling greater agility, real-time processing, and integration across the Digital Banking ecosystem.
You will partner closely with product, engineering, and operations teams to deliver resilient, scalable, and high-performing solutions. We embrace a culture of experimentation, continuous learning, and collaboration, and welcome individuals who challenge assumptions and drive meaningful improvements.
Responsibilities
- Enhance payment processing applications and data platforms across mainframe and distributed environments.
- Build scalable capabilities supporting money movement, clearing, settlement, reconciliation, and reporting.
- Enable platform modernization through APIs, event-driven architectures, and enterprise data integration.
- Deliver batch and real-time processing solutions for high-volume transaction workloads.
- Partner with business and product teams to understand data requirements and define scalable data architectures.
- Maintain and improve data pipelines, application frameworks, and supporting services.
- Contribute as a core member of an Agile team through story refinement, technical design, implementation, testing, and deployment.
- Improve platform performance, data quality, resiliency, and operational efficiency.
- Advance observability, automation, and service reliability practices.
- Participate in technical reviews and drive engineering best practices.
- Support production environments through troubleshooting, root-cause analysis, and continuous improvement.
Qualifications – Required
- Extensive experience working in IBM z/OS environments.
- Strong proficiency with COBOL, JCL, DB2, CICS, IMS, VSAM, or related mainframe technologies.
- Experience supporting high-volume transaction processing systems within banking, payments, financial services, or other regulated industries.
- Strong understanding of data engineering concepts including ingestion, transformation, quality, metadata management, and lineage.
- Experience with batch and real-time data processing patterns.
- Experience with relational databases such as DB2, Oracle, PostgreSQL, or equivalent platforms.
- Experience integrating mainframe applications with distributed systems using APIs, messaging platforms, or event-driven architectures.
- Working knowledge of Kafka, IBM MQ, or similar messaging technologies.
- Understanding of banking and payments domains including money movement, ACH, settlement, reconciliation, or ISO20022 messaging standards.
- Experience supporting highly available, mission-critical platforms with demanding service-level objectives.
- Strong analytical, problem-solving, and troubleshooting skills.
- Excellent written and verbal communication skills.
- Bachelor’s degree in Computer Science, Engineering, Information Systems, or a related field, or equivalent work experience.
- Experience with Python and object-oriented programming concepts.
- Experience with PySpark, Spark SQL, distributed data processing, and large-scale data platforms.
- Experience with Databricks, Snowflake, Hadoop, or similar analytics platforms.
- Familiarity with data governance and metadata management tools.
- Experience with REST APIs and API specifications.
- Familiarity with CI/CD pipelines, DevOps practices, containerization technologies, and cloud platforms.
- Experience with real-time event ingestion and streaming architectures.
- Knowledge of Digital Banking products and payment ecosystems including ACH, Zelle, account funding, and related money movement capabilities.
About Us
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
About The Team
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
- Competitive base salaries
- Bonus incentives
- 6% Company Match on retirement savings plan
- Free financial coaching and financial well-being support
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
- Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
- Free and confidential counseling support through our Healthy Minds program
- Career development and training opportunities
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster.
The below represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.
Salary : $123,000 - $215,250