Senior Core Banking Developer

Overview

We’re looking for a Thought Machine (4th Generation) Developer to design, build, and evolve core banking products on modern, cloud‑native platforms. You’ll configure and implement Vault‑based product logic (or equivalent product/ledger engines), build integration services and APIs, and partner with engineering, product, operations, and risk teams to deliver secure, scalable financial capabilities. This role suits candidates with direct Thought Machine experience or a comparable background building digital banking products on modern core platforms, with strong engineering fundamentals and an appreciation for ledger integrity, financial controls, and operability.

Accountabilities and Responsibilities

• Design and implement core banking product logic (e.g., accounts, deposits, lending, fees, interest, limits, delinquency, posting rules) using Thought Machine’s framework (or equivalent rules/contract approach).
• Build and maintain ledger‑posting logic that is accurate, auditable, idempotent, and aligned with accounting principles.
• Configure product parameters and lifecycle states (e.g., onboarding, maturity, closures, arrears, write‑off).
• Implement financial events and schedules (interest accrual, compounding, billing cycles, statement generation triggers).
• Develop integration services and APIs for channels and downstream systems (payments, KYC, CRM, GL, data/analytics, fraud, notifications).
• Implement event‑driven integrations (pub/sub, streaming) and ensure robust error handling, retries, reconciliation, and observability.
• Collaborate on data models, reporting extracts, and controls required for Finance, Risk, and Regulatory needs.
• Write comprehensive tests (unit, integration, contract), including edge cases and reconciliation scenarios.
• Support product releases through CI/CD pipelines and controlled promotion (dev test prod).
• Troubleshoot production issues with focus on root‑cause analysis, stability, and improved runbooks.
• Maintain clear technical documentation (product specs, decision records, operational playbooks).
• Partner with Product Owners and SMEs to translate banking requirements into implementable designs.
• Work with Security and Risk teams to ensure controls, audit trails, segregation of duties, and compliance‑by‑design.
• Contribute to engineering standards, reusable components, and platform accelerators.

Qualifications

• 5+ years developing APIs/integration services in regulated enterprise environments; banking or financial services experience strongly preferred.
• BA/MBA in IT or relevant experience of 10+ years in integration technology and core banking.
• Proven experience delivering core banking products on Thought Machine or a comparable modern core/ledger platform.
• Strong understanding of double‑entry accounting concepts, ledgers, postings, balances, and reconciliation.
• Experience implementing product features such as fees, interest, limits, repayment schedules, and lifecycle events.
• Direct experience with Thought Machine Vault (product configuration, contract‑style logic, lifecycle events).
• Experience with payments (SEPA, Faster Payments, SWIFT), card processing, or transaction monitoring patterns.
• Knowledge of regulatory reporting and controls (audit trails, model governance, policy‑as‑code).
• Experience with test automation for financial logic (golden datasets, reconciliation harnesses, simulation testing).
• Familiarity with data platforms (SQL, Snowflake/BigQuery, ETL/ELT pipelines) for reporting and analytics.
• Strong software engineering background in Python, Java, Kotlin, Go, or similar.
• Experience building APIs and integration services (REST/gRPC) and familiarity with event‑driven architectures (Kafka or equivalent).
• Solid grasp of software design principles, version control (Git), and testing practices.
• Experience working in cloud‑native environments (AWS/Azure/GCP), containers (Docker), and CI/CD.
• Familiarity with observability practices: logs, metrics, tracing, SLOs, and production support patterns.
• Strong problem‑solving skills with a disciplined approach to debugging and incident response; highly organised, proactive, and detail‑oriented.
• Comfortable operating in ambiguity and adapting to changing priorities; resilient, calm under pressure, and confident acting as an extension of the CIO.
• Trusted partner with a collaborative, inclusive leadership style.
• Banking domain knowledge: payments (SEPA/SWIFT), card processing, transaction monitoring, AML/KYC, customer onboarding.
• Exposure to 4th‑generation banking platforms such as Thought Machine or 10X.
• Experience with service mesh (Istio/Linkerd) and zero‑trust patterns.
• Familiarity with TOGAF, enterprise integration architecture, or API product management.
• Experience with data privacy and retention requirements (GDPR) and operational controls.

Key Competencies

• Excellent communication skills; ability to build relationships with third‑party and internal stakeholders.
• Agility and innovation; adapt quickly to changing priorities and create better ways to succeed.
• Collaboration; build partnerships and promote a culture of teamwork.
• Drive for results; hold self and others accountable to achieve meaningful results.
• Managing programs; analytical, decision‑making, and problem‑solving skills to mitigate impacts on business objectives.
• Conduct standards and rules; act with professionalism, integrity, skill, diligence, cooperation with regulators, and appropriate disclosure.

Benefits & Compensation

• Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
• Performance‑based incentives for eligible employees, awarded through transparent, objective criteria.
• Inclusive equitable benefits focused around financial wellbeing, health & wellness.
• Continuous development opportunities including training, education support, and career progression pathways.
• Employee recognition programs celebrating achievements and milestones.

EEO Statement

We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support. Total Rewards U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements.

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