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Sr. Distinguished Engineer - Card Payments

Capital One

Software and Technology Jobs

Sr. Distinguished Engineer - Card Payments

full-timePosted: Jan 14, 2026

Job Description

Overview

As a Sr. Distinguished Engineer at Capital One, you will be a part of a community of technical experts working to define the future of banking in the cloud.You will work alongside our talented team of developers, machine learning experts, product managers and people leaders. Our Distinguished Engineers are leading experts in their domains, helping devise practical and reusable solutions to complex problems. You will drive innovation at multiple levels, helping optimize business outcomes while driving towards strong technology solutions.At Capital One, we believe diversity of thought strengthens our ability to influence, collaborate and provide the most innovative solutions across organizational boundaries. You will promote a culture of engineering excellence, and strike the right balance between lending expertise and providing an inclusive environment where the ideas of others can be heard and championed. You will lead the way in creating next-generation talent for Capital One Tech, mentoring internal talent and actively recruiting to keep building our community.Distinguished Engineers are expected to lead through technical contribution. You will operate as a trusted advisor for our key technologies, platforms and capability domains, creating clear and concise communications, code samples, blog posts and other material to share knowledge both inside and outside the organization. You will specialize in a particular subject area, but your input and impact will be sought and expected throughout the organization.If you are ready to provide thought leadership and build engineering excellence across Capital One's engineering teams, come join us in our mission to change banking for good.About the Team: In this role you will partner with Senior Product, Design and Technology Leaders across Capital One, in building a platform that provides our clients with the ability to reimagine how they make inbound card and loan payments. This work spans across the customer experience, payment profiles, scheduling, fulfillment and money movement rails. This is an exciting time to lead the payments work as Capital One leads in innovative new payments capabilities. You’ll have the opportunity to work with a best-in-class engineering team, as well as partner across a large portion of technology at Capital One.Leveraging your technical strengths, creativity and influence, you will create the next generation of payment products with an engineering  team of 180+ associates who leverage cutting edge technology in the cloud. The combination of superior technology with customer centric solutions will distance Capital One from other leading technology companies.
Key responsibilities:
  • Articulate and evangelize a bold technical vision for your domain

  • Decompose complex problems into practical and operational solutions

  • Ensure the quality of technical design and implementation

  • Serve as an authoritative expert on non-functional system characteristics, such as performance, scalability and operability

  • Continue learning and injecting advanced technical knowledge into our community

  • Handle several projects simultaneously, balancing your time to maximize impact

  • Act as a role model and mentor within the tech community, helping to coach and strengthen the technical expertise and know-how of our engineering and product community

  • What you’ll do:
  • Define and drive technical strategy and roadmap for our systems and platforms that power Capital One’s inbound card and loan capabilities across the customer experience, payment profiles, scheduling, fulfillment and money movement rails.

  • Partner cross-functionally with client, cloud infrastructure, and machine learning platform teams to align on and co-develop technical solutions. 

  • Architect and build highly secure & scalable systems that enable server-driven product experiences across devices, with exceptional reliability and availability.

  • Design high-throughput, low-latency services capable of handling millions of concurrent requests. 

  • Design and implement API & federated BFF (Back-end for Front end) strategy for efficient data access (fetching, caching, request coalescing, etc.) between backend services and clients, with democratized data schema contribution.

  • Architect enhanced Observability and Monitoring frameworks to enable rapid issue detection, debugging and resolution, across the entire product system stack.   

  • Provide organizational technical leadership to influence architecture, engineering standards, cross-team strategies, mentoring engineers and driving organization wide platform innovation.

  • Leverage proven leadership in driving platform strategy, fostering cross-functional collaboration, and influencing technical direction across the company

  • Basic Qualifications
  • Bachelor’s Degree

  • At least 9 years of experience in software engineering 

  • At least 9 years of experience designing distributed systems, backend architecture, and API platforms

  • At least 5 years of experience with public cloud technologies

  • Preferred Qualifications:  
  • Master's Degree in Computer Science or a related field

  • 10+ years of professional experience coding in commonly used languages like Java, Python, Go, JavaScript, TypeScript, Swift, 

  • 7+ years of experience in event-driven systems and architecting scalable, fault-tolerant, highly-available services

  • 7+ years of experience in building high-performance API platforms and federated BFF architectures (GraphQL, REST, API gateways, gRPC, caching, and streaming). 

  • 7+ years of experience with cloud-native engineering (AWS, Azure, or GCP), containerization (Docker, Kubernetes) and automated deployment

  • Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.









    Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at theCapital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.comCapital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

    Locations

    • San Francisco, California, United States
    • Richmond, Virginia, United States
    • New York, New York, United States
    • McLean, Virginia, United States
    • Chicago, Illinois San Francisco, CaliforniaSan Jose

    Salary

    Estimated Salary Rangemedium confidence

    45,000 - 80,000 USD / yearly

    * This is an estimated range based on market data and may vary based on experience and qualifications.

    Skills Required

    • Software engineeringintermediate
    • Distributed systems designintermediate
    • Backend architectureintermediate
    • API platformsintermediate
    • Public cloud technologies (AWS, Azure, GCP)intermediate
    • Javaintermediate
    • Pythonintermediate
    • Gointermediate
    • JavaScriptintermediate
    • TypeScriptintermediate
    • Event-driven systemsintermediate
    • Containerization (Docker, Kubernetes)intermediate

    Required Qualifications

    • Bachelor’s Degree (experience)
    • At least 9 years of experience in software engineering (experience)
    • At least 9 years of experience designing distributed systems, backend architecture, and API platforms (experience)
    • At least 5 years of experience with public cloud technologies (experience)
    • Master's Degree in Computer Science or a related field (preferred) (experience)
    • 10+ years of professional experience coding in commonly used languages like Java, Python, Go, JavaScript, TypeScript, Swift (preferred) (experience)

    Responsibilities

    • Articulate and evangelize a bold technical vision for your domain
    • Decompose complex problems into practical and operational solutions
    • Ensure the quality of technical design and implementation
    • Serve as an authoritative expert on non-functional system characteristics, such as performance, scalability and operability
    • Define and drive technical strategy and roadmap for our systems and platforms that power Capital One’s inbound card and loan capabilities
    • Partner cross-functionally with client, cloud infrastructure, and machine learning platform teams to align on and co-develop technical solutions
    • Architect and build highly secure & scalable systems that enable server-driven product experiences across devices

    Benefits

    • general: comprehensive, competitive, and inclusive set of health, financial and other benefits

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    Capital One logo

    Sr. Distinguished Engineer - Card Payments

    Capital One

    Software and Technology Jobs

    Sr. Distinguished Engineer - Card Payments

    full-timePosted: Jan 14, 2026

    Job Description

    Overview

    As a Sr. Distinguished Engineer at Capital One, you will be a part of a community of technical experts working to define the future of banking in the cloud.You will work alongside our talented team of developers, machine learning experts, product managers and people leaders. Our Distinguished Engineers are leading experts in their domains, helping devise practical and reusable solutions to complex problems. You will drive innovation at multiple levels, helping optimize business outcomes while driving towards strong technology solutions.At Capital One, we believe diversity of thought strengthens our ability to influence, collaborate and provide the most innovative solutions across organizational boundaries. You will promote a culture of engineering excellence, and strike the right balance between lending expertise and providing an inclusive environment where the ideas of others can be heard and championed. You will lead the way in creating next-generation talent for Capital One Tech, mentoring internal talent and actively recruiting to keep building our community.Distinguished Engineers are expected to lead through technical contribution. You will operate as a trusted advisor for our key technologies, platforms and capability domains, creating clear and concise communications, code samples, blog posts and other material to share knowledge both inside and outside the organization. You will specialize in a particular subject area, but your input and impact will be sought and expected throughout the organization.If you are ready to provide thought leadership and build engineering excellence across Capital One's engineering teams, come join us in our mission to change banking for good.About the Team: In this role you will partner with Senior Product, Design and Technology Leaders across Capital One, in building a platform that provides our clients with the ability to reimagine how they make inbound card and loan payments. This work spans across the customer experience, payment profiles, scheduling, fulfillment and money movement rails. This is an exciting time to lead the payments work as Capital One leads in innovative new payments capabilities. You’ll have the opportunity to work with a best-in-class engineering team, as well as partner across a large portion of technology at Capital One.Leveraging your technical strengths, creativity and influence, you will create the next generation of payment products with an engineering  team of 180+ associates who leverage cutting edge technology in the cloud. The combination of superior technology with customer centric solutions will distance Capital One from other leading technology companies.
    Key responsibilities:
  • Articulate and evangelize a bold technical vision for your domain

  • Decompose complex problems into practical and operational solutions

  • Ensure the quality of technical design and implementation

  • Serve as an authoritative expert on non-functional system characteristics, such as performance, scalability and operability

  • Continue learning and injecting advanced technical knowledge into our community

  • Handle several projects simultaneously, balancing your time to maximize impact

  • Act as a role model and mentor within the tech community, helping to coach and strengthen the technical expertise and know-how of our engineering and product community

  • What you’ll do:
  • Define and drive technical strategy and roadmap for our systems and platforms that power Capital One’s inbound card and loan capabilities across the customer experience, payment profiles, scheduling, fulfillment and money movement rails.

  • Partner cross-functionally with client, cloud infrastructure, and machine learning platform teams to align on and co-develop technical solutions. 

  • Architect and build highly secure & scalable systems that enable server-driven product experiences across devices, with exceptional reliability and availability.

  • Design high-throughput, low-latency services capable of handling millions of concurrent requests. 

  • Design and implement API & federated BFF (Back-end for Front end) strategy for efficient data access (fetching, caching, request coalescing, etc.) between backend services and clients, with democratized data schema contribution.

  • Architect enhanced Observability and Monitoring frameworks to enable rapid issue detection, debugging and resolution, across the entire product system stack.   

  • Provide organizational technical leadership to influence architecture, engineering standards, cross-team strategies, mentoring engineers and driving organization wide platform innovation.

  • Leverage proven leadership in driving platform strategy, fostering cross-functional collaboration, and influencing technical direction across the company

  • Basic Qualifications
  • Bachelor’s Degree

  • At least 9 years of experience in software engineering 

  • At least 9 years of experience designing distributed systems, backend architecture, and API platforms

  • At least 5 years of experience with public cloud technologies

  • Preferred Qualifications:  
  • Master's Degree in Computer Science or a related field

  • 10+ years of professional experience coding in commonly used languages like Java, Python, Go, JavaScript, TypeScript, Swift, 

  • 7+ years of experience in event-driven systems and architecting scalable, fault-tolerant, highly-available services

  • 7+ years of experience in building high-performance API platforms and federated BFF architectures (GraphQL, REST, API gateways, gRPC, caching, and streaming). 

  • 7+ years of experience with cloud-native engineering (AWS, Azure, or GCP), containerization (Docker, Kubernetes) and automated deployment

  • Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.









    Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at theCapital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.comCapital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

    Locations

    • San Francisco, California, United States
    • Richmond, Virginia, United States
    • New York, New York, United States
    • McLean, Virginia, United States
    • Chicago, Illinois San Francisco, CaliforniaSan Jose

    Salary

    Estimated Salary Rangemedium confidence

    45,000 - 80,000 USD / yearly

    * This is an estimated range based on market data and may vary based on experience and qualifications.

    Skills Required

    • Software engineeringintermediate
    • Distributed systems designintermediate
    • Backend architectureintermediate
    • API platformsintermediate
    • Public cloud technologies (AWS, Azure, GCP)intermediate
    • Javaintermediate
    • Pythonintermediate
    • Gointermediate
    • JavaScriptintermediate
    • TypeScriptintermediate
    • Event-driven systemsintermediate
    • Containerization (Docker, Kubernetes)intermediate

    Required Qualifications

    • Bachelor’s Degree (experience)
    • At least 9 years of experience in software engineering (experience)
    • At least 9 years of experience designing distributed systems, backend architecture, and API platforms (experience)
    • At least 5 years of experience with public cloud technologies (experience)
    • Master's Degree in Computer Science or a related field (preferred) (experience)
    • 10+ years of professional experience coding in commonly used languages like Java, Python, Go, JavaScript, TypeScript, Swift (preferred) (experience)

    Responsibilities

    • Articulate and evangelize a bold technical vision for your domain
    • Decompose complex problems into practical and operational solutions
    • Ensure the quality of technical design and implementation
    • Serve as an authoritative expert on non-functional system characteristics, such as performance, scalability and operability
    • Define and drive technical strategy and roadmap for our systems and platforms that power Capital One’s inbound card and loan capabilities
    • Partner cross-functionally with client, cloud infrastructure, and machine learning platform teams to align on and co-develop technical solutions
    • Architect and build highly secure & scalable systems that enable server-driven product experiences across devices

    Benefits

    • general: comprehensive, competitive, and inclusive set of health, financial and other benefits

    Target Your Resume for "Sr. Distinguished Engineer - Card Payments" , Capital One

    Get personalized recommendations to optimize your resume specifically for Sr. Distinguished Engineer - Card Payments. Takes only 15 seconds!

    AI-powered keyword optimization
    Skills matching & gap analysis
    Experience alignment suggestions

    Check Your ATS Score for "Sr. Distinguished Engineer - Card Payments" , Capital One

    Find out how well your resume matches this job's requirements. Get comprehensive analysis including ATS compatibility, keyword matching, skill gaps, and personalized recommendations.

    ATS compatibility check
    Keyword optimization analysis
    Skill matching & gap identification
    Format & readability score

    Answer 10 quick questions to check your fit for Sr. Distinguished Engineer - Card Payments @ Capital One.

    Quiz Challenge
    10 Questions
    ~2 Minutes
    Instant Score

    Related Books and Jobs

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