Sr Software Engineer I - Java - Digital Payments

Joining Amex Tech means discovering and shaping your contribution to something big. Here, you can work alongside talented tech teams and build a unique career with the Powerful Backing of American Express. With a range of opportunities to work with the latest technologies, and a commitment to back the broader engineering community through open source, our mission is to power your success. Because Amex Tech is powered by our technology, our culture, and our colleagues.​
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The Technology organization enables and accelerates the company’s growth strategies, delivering global capabilities and services in support of Amex’s customers and colleagues, while maintaining 24/7 servicing and availability to ensure an uninterrupted, high-quality customer experience. Technology provides the foundation for everything we do in the company while driving differentiation through building and leveraging innovative technology and data insights.

The U.S. Consumer Services and Membership Digital Experiences Technology team (USCDT) brings together foundational strategic technology capabilities in digital experience engineering (Mobile and Web), marketing and advertising technology, enterprise communications, travel and lifestyle, and dining technology. It employs a ground-breaking focus with development responsibilities for customer-facing capabilities that deepen and expand digital engagement, as well as core technical capabilities that cut across business lines and customer segments. ​

We’re looking for an experienced Sr. Software Engineer l to work on the mobile payments solutions that will be used by tens of millions of cardholders around the world. We want someone who is super creative and enjoys solving tough problems. You should be able to come up with brilliant solutions that no one else can, and be obsessive about UI/UX design and user experience.​

You’ll be part of the Digital Payments Engineering team whose mandate is to develop new products and platforms for American Express customers.  Payments Engineering’s aim is to build interactive experiences at all touch points of a consumer's journey whether before, at, or after the time of purchase.  The products will range from new payment vehicles and partnerships with other payment entities to interactive web experiences.  

At American Express, we're powering the future of digital commerce. We're seeking a passionate and experienced Senior Software Engineer to join our Digital Payments Engineering team and help build secure, scalable, and innovative payment solutions that serve millions of Card Members globally.

In this role, you'll design and develop modern APIs and backend services that enable seamless digital payment experiences across mobile, web, and partner ecosystems. You'll collaborate with cross-functional teams to solve complex technical challenges, influence architectural decisions, and deliver high-quality software that drives meaningful customer impact.

If you're energized by building resilient, cloud-native applications and thrive in a collaborative, fast-paced environment, we'd love to hear from you.
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As a Senior Software Engineer, you will:

• Design, develop, and maintain secure, scalable, and high-performance APIs and backend services that power digital payment experiences. 
• Build and enhance payment capabilities supporting mobile, web, and partner platforms, with a strong focus on reliability, performance, and security. 
• Collaborate with Product Managers, UX designers, architects, and engineering teams to translate business requirements into scalable technical solutions. 
• Drive technical design discussions, contribute to architecture decisions, and promote engineering best practices across the team. 
• Champion software quality through clean code, automated testing, CI/CD pipelines, code reviews, and observability. 
• Optimize application performance, scalability, and resilience while ensuring operational excellence in production environments.
• Mentor and support fellow engineers by sharing technical expertise and fostering a culture of continuous learning and innovation. 
• Stay informed of emerging technologies and industry trends, identifying opportunities to improve platforms, processes, and customer experiences.

• Bachelor's or Master's degree in Computer Science, Engineering, or a related technical field, or equivalent practical experience.
• Strong experience designing and developing RESTful APIs and distributed backend services using modern programming languages such as Java, Kotlin, or similar. 
• Experience building scalable, cloud-native applications using microservices architecture. 
• Solid understanding of software engineering fundamentals, including object-oriented design, data structures, algorithms, and design patterns. 
• Experience with Agile development methodologies, CI/CD pipelines, and DevOps practices. 
• Strong analytical and problem-solving skills with the ability to navigate complex technical challenges. 
• Excellent communication and collaboration skills, with experience working across cross-functional teams.
• Familiarity with event-driven architectures, messaging platforms (Kafka, JMS), and modern observability tools.
• Experience mentoring engineers and contributing to technical leadership within engineering teams.

Why American Express?

At American Express, technology is at the heart of everything we do. You'll work alongside talented engineers to build products that redefine how millions of customers pay, shop, and engage with our brand every day.

You'll have the opportunity to:

• Build highly scalable platforms that power global payment experiences. 
• Work with modern technologies, cloud-native architectures, and engineering best practices. 
• Influence technical direction and contribute to meaningful, customer-centric innovation. 
• Grow your career in a collaborative environment that values continuous learning, inclusion, and engineering excellence.
• Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• Competitive base salaries
• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
• Free and confidential counseling support through our Healthy Minds program
• Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site.