Senior Core Banking Developer
We’re looking for a Thought Machine (4th Generation) Developer to design, build, and evolve core banking products on modern, cloud‑native platforms.
Direct Line Reporting
Head of Architecture and Core Banking – Europe.
Product & Ledger Engineering
Design and implement core banking product logic (e.g., accounts, deposits, lending, fees, interest, limits, delinquency, posting rules) using Thought Machine’s framework or an 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 (onboarding, maturity, closures, arrears, write‑off).
Implement financial events and schedules (interest accrual, compounding, billing cycles, statement generation triggers).
Platform Integration & APIs
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) with robust error handling, retries, reconciliation, and observability.
Collaborate on data models, reporting extracts, and controls required for Finance, Risk, and Regulatory needs.
Quality, Controls & Delivery
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 focusing on root‑cause analysis, stability, and runbook improvement.
Maintain clear technical documentation (product specs, decision records, operational playbooks).
Collaboration
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.
Knowledge & Experience
5+ years developing APIs/integration services in regulated enterprise environments; banking or financial services experience strongly preferred.
10+ years in Integration technology and Core Banking (BA/MBA preferred).
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.
Engineering Fundamentals
Strong software engineering background in one or more of: Python, Java, Kotlin, Go, or similar.
Experience building APIs and integration services (REST/gRPC) and event‑driven architectures (Kafka or equivalent).
Solid grasp of software design principles, version control (Git), and testing practices.
Cloud & Operability
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.
Personal Attributes
Highly organized, proactive, and detail‑oriented, able to operate at pace.
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 (Thought Machine, 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.
Location Expectations
This role requires working from a U.S. Bank location three (3) or more days per week.
Accessibility
We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage, please contact your recruiter for guidance and support.
Total Rewards
Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
Performance‑based incentives for eligible employees, awarded through transparent, objective criteria.
Inclusive benefits focused on financial wellbeing, health, and wellness.
Continuous development opportunities including training, education support, and career progression pathways.
Employee recognition programs celebrating achievements and milestones.
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.
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