OverviewAt U.S. Bank, we’re on a journey to do our best. Helping customers and businesses make better financial decisions, enabling communities to grow and succeed, and supporting courageous growth. Elavon, a wholly owned subsidiary of U.S. Bank, builds platforms and ecosystems to help over 1.5 million customers worldwide achieve their financial goals through transaction processing, customer service, innovation, and new products. We uphold transparent and fair hiring practices that support opportunity, inclusive culture, and career mobility across all levels. We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity.Job Description: The Senior Software Engineer / Technical Lead will shape and deliver enhancements to our payments platform. This role combines deep analysis of product requirements, close partnership with product managers, and the creation of detailed technical designs that translate business needs into robust, scalable solutions. The successful candidate will remain hands-on—coding, validating feasibility, prototyping, and implementing complex changes when required. They will ensure requirements are understood, refined, and translated into technical outcomes supporting secure, high-performance transaction processing.This role requires strong communication, analytical thinking, and technical leadership, along with practical experience in payment processing, transaction flows, and high-availability systems. Familiarity with modern development practices and AI-assisted engineering tools is expected.Key ResponsibilitiesTechnical Leadership & Solution DesignLead analysis and detailed design for complex changes across the payments acquiring platform.Produce high-quality technical design documents, sequence diagrams, data flows, and component-level designs.Provide direction on architectural patterns, integration approaches, and best practices while still contributing directly to codebases.Ensure designs support stringent non-functional requirements: low latency, high throughput, fault tolerance, failover, and regulatory compliance.Hands-On EngineeringDevelop and modify application code when required—particularly for high-complexity or high-risk changes.Review and refine code produced by other engineers to ensure quality, performance, and maintainability.Troubleshoot production issues with the ability to trace through code, transactions, logs, and system interactions.Payments & Transaction ProcessingApply deep experience in card acquiring, POS integration, authorization flows, EMV, clearing/settlement, and online transaction processing.Analyse transaction behaviours and flows to inform design decisions and technical improvements.Work with teams to ensure compliance with PCI DSS and other security standards.Collaboration & CommunicationTranslate business requirements into clear technical solutions and actionable engineering tasks.Communicate complex technical topics to non-technical stakeholders in a clear and structured way.Mentor engineers, support cross-team collaboration, and help drive platform modernization initiatives.AI & Modern Development PracticesLeverage AI-assisted tooling (e.g., GitHub Copilot, code generation, automated documentation tools) to improve design and development efficiency.Stay informed on emerging technologies relevant to payments, high-availability systems, and engineering productivity.QualificationsBasic QualificationsBachelor’s degree in Computer Science or related field, or equivalent experience.8+ years designing, developing, and implementing enterprise-scale applications.3+ years performing system analysis & detailed technical design.Proven ability to code in production environments and guide others in best practices.Preferred ExperiencePayments & Transaction ProcessingDeep understanding of the payments ecosystem, card acquiring flows, EMV, POS devices, and settlement processes.Experience operating or developing against high-availability, low-latency transaction systems.Familiarity with Stratus VOS or other fault-tolerant platforms.Technical SkillsStrong programming capability in:COBOL/CAwareness of JSON-based data formats and Kafka-based messaging/streaming platforms.Experience with APIs, integration middleware, and online transaction processing frameworks.Full SDLC experience, including requirements analysis, development, testing, and production support.Experience evaluating new technologies, vendors, and tools.LocationLocation expectations: This role requires working from a U.S. Bank location three (3) or more days per week.AccessibilityWe 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 RewardsU.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value. We offer a market-competitive compensation package that includes:Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness).Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.Employee recognition programs that celebrate achievements and milestones for all.We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application.We encourage candidates to explore the full value of our offer, including monetary and non-monetary benefits, at Employee benefits and development | U.S. Bank | Elavon.Closing DatePosting may be closed earlier due to high volume of applicants. We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.
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