Java architect or Lead Java Engineer with Commercial banking and capital market domain// Remote 100%

Job Title: Principal Engineer – Commercial Banking Engineering

Location : Phoenix, Az (Hybrid or candidates willing to work in PST or MST time zone)

About the Role

We are seeking a hands-on Principal Engineer to lead the architectural direction and engineering strategy for next-generation Commercial Banking platforms. The role will focus on building enterprise-scale, data-driven and AI-enabled applications supporting Capital Markets, Corporate Banking, Global Markets, and Commercial Lending.

The Principal Engineer will drive end-to-end platform architecture, establish engineering standards, and guide the development of resilient, cloud-native services integrating modern front-end applications, microservices, enterprise data platforms, operational databases, and core banking and trading systems.

Why This Role

This is an opportunity to take on a high-impact technical leadership position at the intersection of Commercial Banking, enterprise architecture, and emerging AI technologies. You will shape the architecture of next-generation banking platforms, influence strategic technology decisions, and drive the adoption of governed agentic AI capabilities across critical banking workflows.

You will work closely with senior business stakeholders, enterprise architects, and engineering teams while modernizing complex financial systems and building scalable solutions that directly support banking operations, client intelligence, capital markets, and commercial lending. The role offers significant architectural ownership, technical influence, and the opportunity to establish engineering standards for enterprise-wide platforms.

Key Responsibilities

1. Architecture Strategy & Platform Engineering

• Define and govern end-to-end platform architecture for enterprise Commercial Banking applications, ensuring high availability, scalability, sub-second responsiveness, resilience, and data governance.
• Drive platform modernization from data extraction and operational storage solutions toward enterprise data-serving layers using Snowflake, interactive query warehouses, semantic layers, and event-driven streaming with Kafka.
• Design scalable microservices using Java/Spring Boot, front-end integrations using ReactJS, and NoSQL operational stores using MongoDB.
• Establish architecture standards, reusable engineering patterns, and target-state technology roadmaps.

2. Banking Domain Integration & System Alignment

• Design integrations connecting CRM platforms such as Salesforce and DealCloud with enterprise data platforms such as Snowflake.
• Enable unified Client 360 views, including company, entity, and instrument relationships, wallet share analytics, relationship intelligence, and deal pipeline visibility.
• Lead architecture integration with capital markets, trading, and post-trade platforms, including Calypso and Wallstreet FX/ION FX.
• Support integration across derivatives, foreign exchange, collateral management, settlement, and regulatory reporting workflows.
• Drive technology solutions supporting commercial lending, asset-based lending, bilateral credit facilities, loan syndications, underwriting, and borrower debt maturity monitoring.
• Ensure alignment with regulatory reporting platforms and frameworks, including Cappitech, DTCC/GTR, CFTC/Dodd-Frank, and EMIR.

3. AI & Governed Agentic Innovation

• Lead the technical architecture for AI-generated dynamic screens, widgets, and banker-facing experiences using enterprise LLM platforms such as AWS Bedrock.
• Design and integrate Model Context Protocol (MCP) tools and agentic AI capabilities into enterprise applications.
• Establish governance and architectural guardrails using Maker-Checker review models.
• Separate agentic exploration from certified runtime execution through parameterized APIs, controlled schemas, auditable data contracts, and deterministic workflows.

4. Technical Leadership & Governance

• Champion engineering excellence, secure SDLC, site reliability, automated CI/CD, and infrastructure-as-code practices.
• Drive AWS modernization initiatives, including migration from EC2-based workloads toward containerized environments using EKS.
• Partner with enterprise architecture, information security, IT resilience, and model risk governance teams to ensure compliance with enterprise banking standards.
• Mentor senior engineers, technical leads, and engineering teams while providing technical direction across multiple development pods.

Required Qualifications

• 10+ years of progressive experience in software engineering, systems architecture, and development of large-scale, mission-critical distributed enterprise applications.
• Financial services or banking domain experience with in-depth knowledge across the following areas:
• Capital Markets: Debt Capital Markets (DCM), Equity Capital Markets (ECM), M&A deal structures, loan syndications, and valuation modeling.
• Global Markets: OTC derivatives, interest rate derivatives, FX Spot, Forwards, NDFs, Swaps, collateral management, and regulatory frameworks.
• Corporate Banking: Client relationship hierarchies, Client 360, parent/subsidiary/instrument structures, coverage workflows, and wallet share attribution.
• Commercial Lending: Commercial credit underwriting, asset-based lending (ABL), bilateral debt structuring, debt maturity monitoring, and credit risk screening.
• Strong hands-on experience designing microservices architectures and distributed systems.
• Experience with event-driven architecture and messaging technologies such as Kafka or MQ.
• Proven experience building and scaling cloud-native applications on AWS.
• Strong experience with modern data warehouse platforms, preferably Snowflake.
• Experience leading architecture decisions, technical governance, and enterprise application integration.
• Bachelor's or Master's degree in Computer Science, Computer Engineering, Information Systems, or equivalent practical experience.

Preferred Qualifications & Technical Skills

Backend & APIs

• Java, Spring Boot, REST/GraphQL APIs, enterprise integration patterns, and secure API gateways.

Frontend & UX Architecture

• ReactJS, modern front-end architecture, state management, and component libraries.

Database & Storage

• MongoDB, including sharding, indexing, operational document stores, and caching.
• Relational databases such as PostgreSQL and Oracle.

Capital Markets & Banking Platforms

• Calypso, Wallstreet FX/ION FX, DealCloud, Salesforce Financial Services Cloud (FSC), or similar banking and trading platforms.

Market Data & External Protocols

• Bloomberg BPIPE/PrivateLink, Refinitiv, Cappitech, DTCC, SWIFT, and NTS.

AI & Modern Engineering

• AWS Bedrock, LLM orchestration frameworks, LangChain, LlamaIndex, Model Context Protocol (MCP), and enterprise agentic AI integration.

Infrastructure & Security

• AWS EKS, Kubernetes, Docker, Terraform, IAM, mutual TLS, and zero-trust security architectures.