Principal Engineer - Java Payments

Principal Engineer - Java

About this role:

Wells Fargo is seeking a Principal Engineer. We believe in the power of working together because great ideas can come from anyone. Through collaboration, any employee can have an impact and make a difference for the entire company. Explore opportunities with us for a career in a supportive environment where you can learn and grow.

In this role, you will:

• Act as an advisor to leadership to develop or influence applications, network, information security, database, operating systems, or web technologies for highly complex business and technical needs across multiple groups
• Lead the strategy and resolution of highly complex and unique challenges requiring in-depth evaluation across multiple areas or the enterprise, delivering solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking
• Translate advanced technology experience, an in-depth knowledge of the organizations tactical and strategic business objectives, the enterprise technological environment, the organization structure, and strategic technological opportunities and requirements into technical engineering solutions
• Provide vision, direction and expertise to leadership on implementing innovative and significant business solutions
• Maintain knowledge of industry best practices and new technologies and recommends innovations that enhance operations or provide a competitive advantage to the organization
• Strategically engage with all levels of professionals and managers across the enterprise and serve as an expert advisor to leadership

Required Qualifications:

• 7+ years of Engineering experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 15+ years of experience in programming skills in Java, Python, or similar languages.
• Expertise in cloud platforms (AWS, Azure, GCP) and microservices architecture.
• Experience with API design, containerization (Docker, Kubernetes), and CI/CD pipelines.
• Knowledge of payment messaging standards (ISO 8583, ISO 20022).
• Microservices and Event-Driven-Architecture
• GenAI, Agentic AI, Co-pilot, Automation
• Define and drive the technical roadmap for payments transformation initiatives.
• Evaluate emerging technologies and recommend adoption strategies for payment modernization.
• Ensure architectural consistency, scalability, and security across payment platforms.
• Provide deep technical expertise in ACH, RTGS / Wires, SWIFT, ISO 20022, UPI, and real-time payment systems.
• Lead migration projects from legacy systems to modern, API-driven architectures.
• Ensure compliance with regulatory standards (AML, PCI DSS) and security best practices.
• Design cloud-native, microservices-based payment solutions.
• Develop integration strategies for APIs, payment gateways, and third-party services.
• Optimize system performance, reliability, and fault tolerance for high-volume transactions.
• Excellent leadership, communication, and stakeholder management skills.
• Ability to influence technical decisions and drive consensus across teams.

Job Expectations:

• Lead the technical strategy and execution for Payments Transformation initiatives.
• This role involves architecting scalable, secure, and innovative payment solutions, modernizing legacy systems, and driving adoption of real-time, API-driven, and cloud-native payment platforms.
• Collaborate with cross-functional teams to ensure technology alignment with business objectives and regulatory compliance.
• Work closely with product owners, business analysts, and engineering teams to align technical solutions with business goals.
• Mentor senior engineers and promote best practices in coding, design, and architecture.
• Facilitate technical workshops and knowledge-sharing sessions.
• Drive innovation in payment technologies, including blockchain, AI-based fraud detection, and digital wallets.
• Implement DevOps practices for continuous integration and delivery.
• Champion automation and performance optimization initiatives.

Posting End Date: 

19 May 2026

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

 

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.