Software Engineer III, Real-Time Payments Services

As a Software Engineer III in Real-Time Payments Services, you will build and run mission-critical Real-Time Payments (RTP) services with strong ownership across engineering, resiliency, release readiness, and incident response. The role requires deep experience in high-throughput payment systems and modern engineering capabilities across GemFire, AI-enabled operations, microservices, cloud-native architecture, and AWS.

Job Responsibilities

• Lead production incident management for payment flows (P1/P2), including triage, war-room coordination, mitigation, RCA, and preventive actions.
• Develop and scale microservices for payment initiation, validation, routing, settlement, reconciliation, and exception handling.
• Implement distributed in-memory data patterns using VMware GemFire / Apache Geode for ultra-low-latency state, reference data, and session/context caching.
• Build AI-assisted observability and operations use cases (anomaly detection, alert correlation, incident prediction, runbook automation, GenAI-assisted triage).
• Own release quality with CI/CD gates, canary/blue-green strategies, rollback automation, and zero/low-downtime deployments.
• Collaborate with product, operations, risk, compliance, and partner banks/processors to deliver secure and compliant payment outcomes.
• Ensure strong controls for audit/regulatory needs, data lineage, traceability, and operational reporting.
• Drives team adoption of enterprise-authorized AI-assisted engineering practices within the work environment to improve code quality, delivery speed, and operational outcomes (e.g., AI-assisted code review/refactoring, test strategy acceleration, incident/root-cause analysis support), while establishing consistent validation standards (secure coding, peer review, automated testing) and promoting reuse of effective patterns across the team.
• Applies knowledge of tools within the Software Development Life Cycle toolchain, including enterprise-authorized AI-assisted development and automation capabilities, to improve the value realized by automation.

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 3+ years applied experience
• Bachelor's Degree in Computer Science, Cybersecurity, Data Science, or related disciplines
• Strong Java ecosystem skills (Java 11+/Spring Boot), REST/gRPC APIs, asynchronous/event-driven design.
• Proven experience with **microservices architecture** and domain-driven service decomposition.
• Hands-on experience with **GemFire/Geode** (regions, partitioning, WAN replication, CQ/events, consistency/performance tuning).
• Strong AWS experience: EKS/ECS, EC2, VPC, ALB/NLB, S3, RDS/Aurora, ElastiCache, IAM, CloudWatch, KMS, Secrets Manager.
• Experience with cloud-native operations: containers, Kubernetes, autoscaling, health checks, service mesh (preferred).
• Solid incident management background in high-availability systems, including on-call, runbooks, SRE practices, and post-incident remediation.
• Messaging and streaming experience (Kafka, MQ, SNS/SQS) and resilient integration patterns.
• Strong understanding of security and compliance in financial systems (encryption, tokenization, least privilege, audit controls).
• Demonstrated experience leading effective use of approved AI-assisted software development tools (e.g., for coding, code review, test acceleration, troubleshooting) with the ability to set team expectations for validating AI outputs for correctness, performance, and security.
• Strong understanding of responsible AI use in engineering workflows, including data sensitivity considerations, secure handling of inputs/outputs, and adherence to resiliency and security expectations; experience coaching engineers on safe, compliant adoption within delivery practices

Preferred qualifications, capabilities, and skills

• Backend engineering; expeirence in payment platforms (RTP/instant payments preferred).
• Microsoft Copilot and claude integration and analsys for L3 day 2 day work.
• Observability stack experience (Datadog/Splunk/ELK, Prometheus/Grafana, OpenTelemetry, distributed tracing).

ABOUT US

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.