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About the Role

Schwab Technology Services is seeking a Senior Software Engineering Lead to build and evolve the technology powering Charles Schwab Bank’s Lending platforms. This role involves owning the design and delivery of large-scale initiatives, contributing to solution architecture, and applying modern engineering practices within a Java/Spring Boot ecosystem. The position also focuses on exploring and implementing AI-assisted development responsibly within a regulated banking environment.

Responsibilities

Provide technical leadership and hands-on delivery for large, cross-cutting initiatives across Schwab Bank Lending platforms, including next-generation capabilities.
Own solution design and architectural decisions for complex, multi-system workflows spanning loan origination, servicing, and downstream integrations.
Partner with product, architecture, and business stakeholders to translate roadmap initiatives and regulatory considerations into pragmatic technical approaches.
Act as a technical standard-bearer within the organization—establishing patterns, best practices, and guardrails across code, integration, testing, and system design.
Lead engineering execution across teams, guiding technical direction, reviewing designs and implementations, and unblocking complex delivery challenges.
Champion thoughtful use of AI-assisted development practices, helping explore and evaluate how emerging AI capabilities can improve productivity, solution quality, and design effectiveness.
Drive engineering excellence and operational rigor, including automated testing, reliability, security, and production readiness.
Support and evolve production systems, participating in complex issue triage and root-cause analysis.

Requirements

Bachelor's or Master's degree in Computer Science, Information Technology, or a related field, or equivalent practical experience.
10+ years of experience designing, developing, and delivering large-scale, distributed software systems.
Deep hands-on expertise in Java, Spring, and Spring Boot, including REST-based APIs supporting high-volume, high-availability transactional environments.
Demonstrated experience leading solution design and architectural decisions for complex, multi-system initiatives.
8+ years of experience working with cloud-native architectures, including containerized microservices, service orchestration, and distributed system integration in public or hybrid cloud environments.
8+ years of experience building and evolving CI/CD pipelines and deployment automation, using tools such as GitHub, GitLab, Bamboo, or equivalent.
Strong experience designing and enforcing automated testing strategies (unit, integration, and acceptance testing).
Proven experience working with distributed and relational data stores such as MongoDB, PostgreSQL/DB2, Aerospike, or similar technologies.
Experience designing and operating event-driven and messaging-based architectures, using technologies such as Kafka, RabbitMQ, or equivalent.
Demonstrated experience implementing authentication and authorization mechanisms using industry standards such as OAuth, SAML, or related security frameworks.
Experience designing or supporting banking or move-money platforms, particularly within regulated financial services environments.
Prior experience with Security-Based Lending, margin lending, or other asset-backed credit products.
Familiarity with lending models tied to market-driven or real-time valuation of collateral.
Exposure to non-traditional or alternative collateral types, such as restricted securities, alternative investments, digital assets, or other non-marginable asset classes.
Experience working across multiple systems of record or core platforms.
Domain experience collaborating with or supporting credit risk, treasury, operations, or regulatory partners.
Prior involvement in platform modernization or first-of-kind initiatives within banking or capital markets.
Exposure to digital asset platforms, crypto-related systems, or distributed ledger–adjacent technologies.
Experience applying AI-assisted development techniques beyond basic code generation.
Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.

Skills

Java
Spring
Spring Boot
REST-based APIs
Cloud-native architectures
Containerized microservices
Service orchestration
Distributed system integration
CI/CD pipelines
Deployment automation
Automated testing
MongoDB
PostgreSQL/DB2
Aerospike
Event-driven architectures
Messaging-based architectures
Kafka
RabbitMQ
OAuth
SAML
AI-assisted development

Location

On-site

Work Type

On-site (4 days a week)
Full-time

Experience Level

Senior
10+ years of experience
8+ years of experience

Education Level

Bachelor's or Master's degree in Computer Science, Information Technology, or a related field, or equivalent practical experience

Salary/Compensations

Bonus or incentive opportunities available

About the Company

Schwab Technology Services enables the future of how clients manage their money by providing innovative and reliable technology products and services.
Our ongoing commitment is to democratize access to investing and financial planning.
The Bank Technology – Lending organization supports complex, business-critical integrations across SaaS providers, internal platforms, and core lending systems of record, enabling end‑to‑end Loan Origination and Servicing experiences.