Principal Engineer - Payments/Java

About this role: Wells Fargo is seeking a Principal Engineer In this role, you will: Act as an advisor to leadership to develop or influence applications, network, information security, database, operating systems, or web technologies for highly complex business and technical needs across multiple groups Lead the strategy and resolution of highly complex and unique challenges requiring in-depth evaluation across multiple areas or the enterprise, delivering solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinking Translate advanced technology experience, an in-depth knowledge of the organizations tactical and strategic business objectives, the enterprise technological environment, the organization structure, and strategic technological opportunities and requirements into technical engineering solutions Provide vision, direction and expertise to leadership on implementing innovative and significant business solutions Maintain knowledge of industry best practices and new technologies and recommends innovations that enhance operations or provide a competitive advantage to the organization Strategically engage with all levels of professionals and managers across the enterprise and serve as an expert advisor to leadership Required Qualifications: 7+ years of Engineering experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Solution Architecture & Design Define and drive the technical roadmap for payments transformation initiatives. Evaluate emerging technologies and recommend adoption strategies for payment modernization. Ensure architectural consistency, scalability, and security across payment platforms. Provide deep technical expertise in ACH, RTGS / Wires, SWIFT, ISO 20022, UPI, and real-time payment systems. Lead migration projects from legacy systems to modern, API-driven architectures. Ensure compliance with regulatory standards (AML, PCI DSS) and security best practices. Solution Architecture & Design Design cloud-native, microservices-based payment solutions. Develop integration strategies for APIs, payment gateways, and third-party services. Optimize system performance, reliability, and fault tolerance for high-volume transactions. Collaboration & Mentorship Work closely with product owners, business analysts, and engineering teams to align technical solutions with business goals. Mentor senior engineers and promote best practices in coding, design, and architecture. Facilitate technical workshops and knowledge-sharing sessions. Innovation & Continuous Improvement Drive innovation in payment technologies, including blockchain, AI-based fraud detection, and digital wallets. Implement DevOps practices for continuous integration and delivery. Champion automation and performance optimization initiatives. Technical Skills Expertise in cloud platforms (AWS, Azure, GCP) and microservices architecture. Strong programming skills in Java, Python, or similar languages. Experience with API design, containerization (Docker, Kubernetes), and CI/CD pipelines. Knowledge of payment messaging standards (ISO 8583, ISO 20022). Microservices and Event-Driven-Architecture GenAI, Agnetic AI, Co-pilot, Automation Innovation. Job Expectations: Excellent leadership, communication, and stakeholder management skills. Ability to influence technical decisions and drive consensus across teams. Posting End Date:   17 Sep 2026 *Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer