Core Banking developer

* Design and implement core banking product logic (e.g., accounts, deposits, lending, fees, interest, limits, delinquency, posting rules) using Thought Machine’s framework (or equivalent rules/contract approach).
* Build and maintain ledger-posting logic that is accurate, auditable, idempotent, and aligned with accounting principles.
* Configure product parameters and lifecycle states (e.g., onboarding, maturity, closures, arrears, write-off).
* Implement financial events and schedules (interest accrual, compounding, billing cycles, statement generation triggers).
* Partner with Product Owners and SMEs to translate banking requirements into implementable designs.
* Work with Security and Risk teams to ensure controls, audit trails, segregation of duties, and compliance-by-design.
* Contribute to engineering standards, reusable components, and platform accelerators.
* 5+ years developing APIs/integration services in regulated enterprise environments; banking or financial services experience strongly preferred.
* BA/MBA in IT or relevant experience of 10+ years in Integration technology and Core Banking.
* Proven experience delivering core banking products on Thought Machine or a comparable modern core/ledger platform
* Strong understanding of double-entry accounting concepts, ledgers, postings, balances, and reconciliation.
* Experience implementing product features such as fees, interest, limits, repayment schedules, and lifecycle events
* Direct experience with
** Thought Machine Vault** (product configuration, contract-style logic, lifecycle events),
* Experience with
** payments** (SEPA, Faster Payments, SWIFT), card processing, or transaction monitoring patterns,
* Knowledge of
** regulatory reporting
** and controls (audit trails, model governance, policy-as-code).
* Experience with
** test automation
** for financial logic (golden datasets, reconciliation harnesses, simulation testing).
* Familiarity with
** data platforms** (e.g., SQL, Snowflake/Big Query, ETL/ELT pipelines) for reporting and analytics.
* Strong software engineering background in one or more of:
Python, Java, Kotlin, Go, or similar.
* Experience building APIs and integration services (REST/gRPC), plus familiarity with event-driven architectures (Kafka or equivalent).
* Solid grasp of software design principles, version control (Git), and testing practices
* Experience working in cloud-native environments (AWS/Azure/GCP), containers (Docker), and CI/CD.
* Familiarity with observability practices: logs, metrics, tracing, SLOs, and production support patterns.
* Strong problem-solving skills with a disciplined approach to debugging and incident response
* Highly organised, proactive, and detail‐oriented, with the ability to operate at pace.
* Comfortable operating in ambiguity and adapting to changing priorities.
* Resilient, calm under pressure, and confident acting as an extension of the CIO.
* Trusted partner with a collaborative, inclusive leadership style.
* Banking domain knowledge: payments (SEPA/SWIFT), card processing, transaction monitoring, AML/KYC, customer onboarding.
* Exposure to 4th generation banking platforms such as (Thought Machine or 10X)
* Experience with service mesh (Istio/Linkerd) and zero trust patterns.
* Familiarity with TOGAF, enterprise integration architecture, or API product management.
* Experience with data privacy and retention requirements (GDPR), and operational controls.
* ** Clearly defined salary ranges
** aligned with industry benchmarks and internal equity standards.
* ** Performance-based incentives
** for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.
* ** Inclusive equitable benefits
** that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness).
* ** Continuous development opportunities
** including training, education support, and career progression pathways based on inclusive and transparent criteria.
* ** Employee recognition programs
** that celebrate achievements and milestones for all.

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.
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