Software Engineer III - Real-Time Payments Services

Role Overview

Join as a Software Engineer III within the Real-Time Payments Services team, responsible for engineering and maintaining essential high-throughput payment systems. The role demands expertise in technologies like VMware GemFire, AI-powered operations, microservices, cloud-native designs, and AWS environments.

Primary Responsibilities

• Manage and lead incident response for P1/P2 payment flow problems, including coordination and root cause analysis.
• Develop scalable microservices to support payment processes such as initiation, validation, routing, settlement, reconciliation, and handling exceptions.
• Implement distributed in-memory data solutions utilizing VMware GemFire / Apache Geode for low-latency caching of state and session data.
• Create AI-driven operational tools for anomaly detection, alert correlation, incident prediction, runbook automation, and GenAI-enhanced triage.
• Ensure release stability via CI/CD gates, implementation of canary/blue-green deployments, automated rollback, and zero-downtime strategies.
• Collaborate cross-functionally with product teams, operations, risk, compliance units, and external banking partners to deliver secure, compliant payment services.
• Maintain rigorous controls and documentation for audit, regulatory compliance, data lineage, traceability, and operational reporting.
• Drive adoption of enterprise-authorized AI-assisted development practices to enhance code quality, delivery timelines, operational reliability, secure coding, peer reviews, automated testing, and pattern reuse.
• Apply expertise in software development lifecycle tools including automation and AI features to maximize process efficiency and quality.

Required Qualifications & Competencies

• Formal education or certification in software engineering and at least 3 years practical experience.
• Bachelor's degree in Computer Science, Cybersecurity, Data Science, or related fields.
• Advanced Java skills (Java 11+), Spring Boot framework, REST and gRPC API development, asynchronous and event-driven system design.
• Practical experience with microservices and domain-driven design for service decomposition.
• Hands-on skill with GemFire/Geode technologies, including region management, partitioning, WAN replication, continuous queries/events, and tuning for consistency and performance.
• Strong AWS knowledge covering EKS/ECS, EC2, VPC, load balancers, S3, RDS/Aurora, ElastiCache, IAM, CloudWatch, KMS, and Secrets Manager.
• Experience with cloud-native infrastructure operations such as container orchestration, Kubernetes, autoscaling, health checks, and preferably service mesh architectures.
• Background in incident management for high-availability platforms, including handling on-call duties, runbook creation, Site Reliability Engineering practices, and incident remediation.
• Proficiency in messaging and streaming systems like Kafka, MQ, SNS/SQS, and implementing resilient integration patterns.
• Strong grasp of financial security and compliance measures including encryption, tokenization, least privilege principles, and audit controls.
• Proven ability to lead use of AI-assisted software development tools across coding, reviews, testing, and troubleshooting, with an emphasis on validation and security of AI outputs.
• Understand responsible AI usage ethics and data sensitivity; capable of guiding team members in secure, compliant adoption within development processes.

Preferred Qualifications

• Experience in backend software engineering within payment platforms, especially Real-Time Payment or instant payment systems.
• Familiarity with Microsoft Copilot and Claude AI tools for Level 3 operational workflows.
• Knowledge of observability tooling such as Datadog, Splunk, ELK Stack, Prometheus, Grafana, OpenTelemetry, and distributed tracing techniques.

Additional Information

J.P. Morgan is a global leader in financial services, delivering strategic advice and products to large corporations, governments, wealthy individuals, and institutions. The firm values diversity and inclusion and operates as an equal opportunity employer making accommodations for religious, mental health, or physical disabilities.

The Commercial & Investment Bank unit serves more than 100 countries, offering comprehensive financial services including capital raising, risk management, and liquidity extension.