Senior Architect

Your opportunity

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

We believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).

Schwab Technology Services enables the future of how clients manage their money by providing innovative and reliable technology products and services as a part of our ongoing commitment to democratize access to investing and financial planning.

We’re hiring a Senior Architect to provide technical leadership, architecture direction, and hands‑on guidance across multiple Agile teams. This is a unique opportunity to shape the future of retirement technology and drive innovation across critical initiatives that impact millions of participants.

As part of our modernization strategy, you will lead architectural vision and execution for transformative projects, including:

• Electronic Account Opening (EAO) Modernization:
  Redesign and migrate EAO to the modern ROAR platform, reducing NIGOs (accounts not in good order), accelerating onboarding, improving operational efficiency, and ensuring compliance with Memorandum of Understanding (MOU) requirements.
• Employer Managed Trade Rules (EMTR) Compliance:
  Establish a trusted, immutable data environment to enforce dependable trade restrictions, validate plan configurations, and enable regulatory reporting and audit readiness.
• Crypto in Personal Choice Retirement Account (PCRA):
  Architect secure, compliant cryptocurrency capabilities within PCRA accounts, expanding investment options and positioning PCRA as a forward‑thinking offering in the retirement space.

What You’ll Do:

• Define target architectures, evolve domain boundaries, and establish integration patterns for modern, cloud‑ready platforms.
• Ensure services are secure, resilient, observable, and performant, meeting regulatory and audit standards.
• Operate within a SAFe Agile Release Train, aligning roadmaps with architecture runway and managing cross‑team dependencies.
• Partner with Product, Engineering Leaders, and Risk/Compliance to deliver incremental value with high quality and compliance.
• Mentor engineers and tech leads, elevate engineering practices, and drive continuous modernization of platforms and data.

Why This Role Matters:

You’ll be at the forefront of transforming the PCRA experience, from frictionless account opening to advanced trade rule governance and digital asset integration. This is a rare chance to combine architecture leadership with financial innovation, shaping the next era of retirement solutions.

Required Qualifications:

• 8+ years in software engineering with 5+ years building and evolving microservice architectures and leading technical direction for multiple teams in a SAFe or similar scaled‑Agile environment
• Advanced proficiency with Java/Spring Boot, RESTful API design, inter‑service communication, and event‑driven patterns; strong familiarity cloud‑ready designs
• Experience with Spring Cloud Data Flow, Oracle, Bamboo, Docker, GCP, AWS, and SALT
• Hands‑on experience with SQL Server (modeling, query optimization, performance tuning) and working knowledge of Oracle; understanding of transactional integrity, concurrency, and data reliability patterns
• Demonstrated use of observability stacks (metrics/logging/traces), capacity/performance testing, resiliency techniques, and production incident analysis to drive architectural improvements
• Practical experience embedding security by design (authn/authz, token/claims, encryption in transit/at rest), managing data concerns, and meeting audit/traceability requirements
• Ability to articulate architectural trade‑offs to leadership and engineers, build consensus across Product/Engineering/Risk, and convert strategy into clear, executable guardrails and patterns

Preferred Qualifications:

• Experience modernizing legacy platforms to cloud‑ready architectures; familiarity with containers/orchestration, API gateways, caching, and messaging/streaming
• Exposure to financial services or…