Sr Software Engineer

Senior Software Engineer

Engineering Bangalore India (Hybrid) Full-Time

Mission-Critical Core Banking Platform Cloud-Native Low-Latency Transaction Processing

ACI Worldwide is seeking a Senior Software Engineer to join the team building and operating a mission-critical low-latency core banking platform. Our product is architected cloud-natively and containerized from the ground up deployed initially on Microsoft Azure / AKS with a clear roadmap to Red Hat OpenShift AWS and Google Cloud Infrastructure (GCI). Every design decision from threading models to deployment topology is made with high throughput sub-millisecond latency and five-nines availability in mind.

This is a full-stack engineering role in the deepest sense: you will design and build features end to end own the reliability and performance of what you ship actively contribute to the CI/CD pipeline and quality strategy and provide L3 production support when the platform counts on it. We are also on an active modernization journey migrating mission-critical COBOL logic to modern Java services and your ability to read understand and translate legacy COBOL will be highly valued.

We are looking for self-motivated driven engineers who take pride in craftsmanship embrace AI as an accelerator across the full development lifecycle and are genuinely excited to grow their careers at ACI Worldwide.

Location:Bangalore India

Work Model:Hybrid on-site on designated days; remote-eligible on other days per team and business needs

1) Low-Latency Application Engineering

• Design implement and optimize high-performance Java services for real-time transaction processing: payments authorization clearing and settlement workflows where latency and correctness are non-negotiable.

• Apply deep JVM knowledge threading models garbage collection tuning lock-free data structures and async I/O to sustain predictable throughput under peak load.

• Define and enforce performance budgets: author benchmarks regression tests and latency SLOs; profile and root-cause regressions before they reach production.

• Build against modern cloud-native patterns: microservices event-driven messaging (NATS) reactive pipelines and 12-factor application design.

2) Cloud-Native & Container-First Development

• Write software that is container-native from day one: images must be lean stateless where possible and fully operable on Kubernetes (AKS OpenShift EKS GKE).

• Collaborate with the DevOps/Platform team on Kubernetes manifests Helm/Carvel packaging resource requests/limits health probes and rolling deployment strategies.

• Understand and contribute to GitOps workflows; ensure application configuration is version-controlled auditable and environment-agnostic.

• Design for multi-cloud portability from the start: avoid cloud-vendor lock-in in application code and dependency choices.

3) AI-Augmented Development Lifecycle

• Leverage AI tools actively across the SDLC: AI-assisted code generation and review test case synthesis documentation drafting defect analysis and performance diagnostics.

• Apply responsible AI practices: validate all AI-generated output for correctness security and maintainability before merging; never place secrets PII or PCI data into AI prompts.

• Contribute to team-level AI adoption: share effective patterns prompt strategies and tooling discoveries that raise the velocity and quality bar for the whole team.

• Stay current with AI/ML advancements relevant to banking intelligent anomaly detection automated triage fraud signal enrichment and propose production-ready applications.

4) Quality Engineering & Test Automation

• Own quality for what you ship: write comprehensive unit integration and contract tests; enforce non-negotiable coverage thresholds and quality gates in CI.

• Author and maintain end-to-end test scenarios for transaction processing flows; partner with Quality Engineering to integrate Testkube-orchestrated test suites into the pipeline.

• Practice shift-left quality: treat a bug escaping to staging as a process failure not an expected outcome.

• Participate in code reviews with a quality lens: correctness edge cases error handling observability hooks and long-term maintainability.

5) Security & Compliance

• Write secure-by-design code in regulated financial environments: input validation output encoding least-privilege service identities and safe secret consumption via ESO/vault integrations.

• Ensure compliance controls are built into the code not bolted on afterward: PCI-DSS SOC2 and audit logging requirements are first-class acceptance criteria.

• Participate in threat modeling sessions security code reviews and SAST/DAST remediation cycles; treat security findings with the same urgency as production incidents.

6) DevOps Collaboration & Engineering Excellence

• Engage actively with the DevOps/Platform team: contribute to pipeline definitions own your services observability (structured logs metrics distributed traces) and participate in on-call rotations.

• Write and maintain runbooks deployment guides and architecture decision records (ADRs); documentation is a deliverable not an afterthought.

• Champion engineering best practices: clean code SOLID principles API contract discipline backward compatibility and disciplined release management.

7) COBOL Modernization Support

• Read and interpret existing COBOL programs to extract business logic data flow and processing rules that must be faithfully reimplemented in modern Java services.

• Collaborate with domain experts and architects to validate that modernized Java implementations are behaviorally equivalent to legacy COBOL counterparts under all documented business scenarios.

• Document COBOL-to-Java translation decisions edge cases and business rule interpretations to build institutional knowledge for the long-term migration program.

8) L3 Production Support

• Serve as the third line of escalation for production issues on services you own: diagnose complex failures using logs metrics traces and thread/heap dumps.

• Deliver timely accurate root-cause analyses and post-incident reviews; implement durable fixes and preventive controls to eliminate recurrence.

• Maintain a you build it you run it mindset: production reliability is a shared engineering accountability not a handoff.

• 8 years of professional software engineering experience; substantial time building production systems that handle high-volume low-latency workloads.

• Java expert-level proficiency: JVM internals concurrency performance tuning Spring Boot / Spring ecosystem and modern Java (17) features.

• Low-latency systems demonstrated experience designing and optimizing transaction processing payments or equivalent high-throughput distributed systems.

• Microservices & APIs RESTful and event-driven service design; experience with API versioning backward compatibility and contract testing.

• Containers & Kubernetes hands-on experience containerizing Java applications and running them on Kubernetes (AKS EKS GKE or OpenShift).

• Cloud platforms Azure (primary); working familiarity with AWS or GCI a strong plus.

• CI/CD & DevOps experience with Jenkins Gradle container image builds and automated quality gates; comfortable contributing to pipeline definitions.

• Test automation strong unit integration and e2e testing discipline; experience with JUnit 5 Mockito Testcontainers or equivalent.

• Security secure coding practices in regulated environments; familiarity with OWASP Top 10 input validation and secrets management.

• Observability structured logging metrics (Micrometer/Prometheus) and distributed tracing (OpenTelemetry or equivalent).

• Databases PostgreSQL (or equivalent relational DB) in production; familiarity with schema migration query optimization and connection pooling.

• AI-assisted development active use of AI coding tools (Copilot Claude Cursor or equivalent) with disciplined validation practices.

• Banking or payments domain experience: core banking payment processing ACH SWIFT card authorization or clearing & settlement. Understanding ofspecs and implementations based on it

• Drools / rule engine experience: authoring and maintaining business rules in Drools (KIE) or a comparable BRMS; ideally applied to transaction routing risk or eligibility logic.

• NATS messaging: operational experience building event-driven services on NATS or equivalent (Kafka Pulsar RabbitMQ).

• Multi-cloud portability: experience deploying identical workloads across two or more of Azure OpenShift AWS and GCI.

• COBOL literacy ability to read and interpret COBOL programs sufficiently to extract and translate business logic into Java.

• Carvel toolchain: familiarity with ytt kapp-controller or imgpkg for Kubernetes-native packaging and GitOps.

• Regulated environment experience: PCI-DSS SOC2 GDPR or equivalent compliance frameworks embedded in engineering practices.

• AI/ML feature delivery: experience shipping AI or ML capabilities as part of a production product (anomaly detection intelligent routing fraud signals etc.).

• Technical mentorship: demonstrated experience upleveling junior engineers through code review pair programming or structured coaching.

• Technically challenging work on a platform that processes mission-critical banking transactions for global financial institutions.

• A cloud-native automation-first engineering culture that invests in quality security and developer experience as competitive advantages.

• Real career growth: ACI actively develops engineers into senior technical leaders and engineering managers; your trajectory here is yours to define.

• An AI-forward team that embraces modern tooling and gives engineers the latitude to experiment improve and lead.

• Competitive compensation and benefits package; hybrid flexibility

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ACI Worldwide is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion gender national origin disability or veteran status.