Lead Software Engineer - Java, Payments

Location: Tampa, FL, United States

Job Family: Software Engineering

About the Role

As a Lead Software Engineer - Java, Payments at JP Morgan Chase, you will play a pivotal role in shaping the future of global payments technology. Based in our Tampa, FL office, you will lead the development of cutting-edge solutions that power secure, efficient, and innovative payment systems for one of the world's largest financial institutions. Working within an agile team, you will tackle complex challenges across multiple technical domains, from real-time transaction processing to integrating emerging fintech capabilities, all while ensuring compliance with stringent regulatory standards in the financial services industry. Your expertise in Java will be instrumental in building scalable applications that handle billions in daily transactions, contributing directly to JP Morgan's mission of enabling economic growth through reliable payments infrastructure. In this leadership position, you will collaborate closely with product managers, data scientists, and compliance experts to deliver high-impact solutions that enhance customer experiences and operational resilience. Responsibilities include architecting robust payment platforms using modern Java frameworks, optimizing for performance in high-volume environments, and mentoring team members to foster a culture of technical excellence. You will navigate the intricacies of financial regulations such as PCI-DSS and AML, while leveraging tools like Spring Boot and Kubernetes to create resilient, cloud-native applications. This role offers the opportunity to innovate in areas like digital wallets, cross-border payments, and blockchain integrations, driving JP Morgan Chase's competitive edge in a rapidly evolving payments landscape. Joining JP Morgan Chase means becoming part of a dynamic, inclusive community dedicated to professional growth and impactful work. We value diverse perspectives and provide resources for continuous learning, ensuring you thrive in a supportive environment. With our commitment to work-life balance and comprehensive benefits, this position not only challenges you technically but also positions you for long-term career advancement in the heart of financial technology.

Key Responsibilities

• Design, develop, and deploy robust Java-based applications for payments processing within JP Morgan Chase's global infrastructure
• Collaborate with agile teams to implement critical technical solutions across multiple domains, ensuring seamless integration with core banking systems
• Lead code reviews, mentor junior developers, and drive best practices in software engineering for financial security and efficiency
• Analyze and optimize payment workflows to handle high-volume, real-time transactions while adhering to regulatory requirements
• Troubleshoot and resolve complex issues in production environments, minimizing downtime for payment services
• Integrate third-party APIs and services to enhance payment capabilities, such as ACH, wire transfers, and emerging digital payment methods
• Contribute to the evolution of JP Morgan's payments platform by incorporating innovative technologies like microservices and containerization
• Ensure all solutions comply with industry standards, data privacy laws, and JP Morgan's risk management frameworks
• Participate in sprint planning and retrospectives to continuously improve team processes and delivery
• Stay abreast of fintech trends and propose enhancements to maintain competitive edge in global payments

Required Qualifications

• Bachelor's degree in Computer Science, Engineering, or a related field
• Minimum of 7+ years of software engineering experience with a focus on Java development
• Proven experience in building and maintaining high-performance, scalable applications in the financial services domain
• Strong understanding of agile methodologies and experience working in cross-functional teams
• Expertise in payments processing systems, including real-time payment networks and compliance standards like PCI-DSS
• Demonstrated ability to lead technical projects and mentor junior engineers
• Excellent problem-solving skills with a track record of delivering solutions in fast-paced environments

Preferred Qualifications

• Master's degree in Computer Science or related field
• Experience with cloud platforms such as AWS or Azure in a financial context
• Knowledge of blockchain or distributed ledger technologies for payments
• Prior work at a major financial institution handling large-scale transaction volumes
• Certifications in Java (e.g., Oracle Certified Professional) or payments-related standards

Required Skills

• Proficiency in Java 8+ and Spring Boot framework
• Experience with RESTful APIs, microservices architecture, and Docker/Kubernetes
• Strong knowledge of SQL databases (e.g., Oracle, PostgreSQL) and NoSQL solutions
• Understanding of payments protocols like ISO 20022, SWIFT, and SEPA
• Expertise in secure coding practices, encryption, and vulnerability management
• Familiarity with CI/CD pipelines using Jenkins or GitLab
• Agile and Scrum methodologies
• Problem-solving and analytical thinking
• Leadership and team collaboration skills
• Communication and stakeholder management
• Knowledge of financial regulations (e.g., AML, KYC)
• Experience with performance tuning and monitoring tools (e.g., Splunk, New Relic)
• Adaptability to evolving fintech landscapes
• Attention to detail in high-stakes environments
• Time management and prioritization in agile settings

Benefits

• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick leave, and parental leave
• Professional development programs and tuition reimbursement for advanced certifications
• Employee stock purchase plan and performance-based bonuses
• Wellness initiatives, including gym memberships and mental health support
• Flexible work arrangements, including hybrid options in Tampa, FL
• Access to JP Morgan's global mobility programs and career advancement opportunities

JP Morgan Chase is an equal opportunity employer.