A

American Express

Issues credit cards and runs a payment network

Senior Software Engineer - Enterprise Architecture

Full-TimePosted on 10/22/2026Deadline 10/29/26
$123k - $215.3k/yr+ Bonus
Senior
Bachelor's
Phoenix, AZ, USA
In Person
Software EngineeringFull-Stack Engineering
No H1B Sponsorship

About the job

Requirements
  • Six or more years of professional software development experience, with strong expertise in Java and working knowledge of Python for backend or data-driven applications.
  • Deep experience with Java ecosystems and frameworks such as Spring and Spring Boot, or equivalent.
  • Proven full-stack development experience, including backend services and modern frontend frameworks such as React or Angular.
  • Strong experience building RESTful APIs, microservices architectures, and service-to-service integrations.
  • Solid understanding of distributed systems, concurrency, scalability, and performance optimization.
  • Hands-on experience with relational databases such as PostgreSQL, MySQL, or Oracle, and/or NoSQL databases such as Cassandra, DynamoDB, or MongoDB.
  • Experience with containerization and orchestration using Docker and Kubernetes.
  • Familiarity with infrastructure-as-code tools such as Terraform or CloudFormation.
  • Experience with messaging and streaming platforms such as Kafka, RabbitMQ, or JMS.
  • Practical experience with cloud platforms such as AWS, Azure, or GCP and cloud-native development patterns.
  • Hands-on experience in test data generation and unit test development and execution.
  • Experience with API design standards, OpenAPI/Swagger, versioning, and contract-driven development.
  • Hands-on experience with CI/CD pipelines and tools such as Jenkins, GitHub Actions, or GitLab CI.
  • Proficiency in Agile/Scrum methodologies and modern software development lifecycle practices.
  • A bachelor's degree in computer science or engineering, or equivalent practical experience.
  • Employment eligibility to work in the United States is required; American Express will not pursue visa sponsorship.
Responsibilities
  • Design, develop, and deliver scalable, high-quality full-stack software solutions, using Java and Python for enterprise-grade platforms and services.
  • Lead the architecture and implementation of distributed systems, ensuring performance, reliability, and maintainability.
  • Own end-to-end feature delivery, from design and development through deployment, monitoring, and production support.
  • Act as a senior member of an Agile team, driving best practices in coding standards, testing, documentation, and continuous delivery.
  • Mentor and guide junior engineers through code reviews, design discussions, and knowledge sharing.
  • Collaborate with architects, product managers, and cross-functional teams to translate business requirements into scalable technical solutions.
  • Build and evolve RESTful APIs, microservices, and event-driven systems, ensuring strong service contracts and backward compatibility.
  • Improve CI/CD pipelines, test automation, and developer productivity.
  • Identify system bottlenecks, debug complex issues, and drive root-cause analysis and long-term fixes.
  • Design systems for scalability, resilience, and observability, including monitoring, logging, and alerting strategies.
  • Contribute to cloud-native adoption, including containerization, infrastructure-as-code, and auto-scaling architectures.
  • Influence technical direction by proposing innovative, pragmatic solutions.
  • Take ownership and accountability for delivering high-impact outcomes aligned with team and organizational goals.
Desired Qualifications
  • Basic understanding of AI/ML concepts and generative AI technologies, including large language models, prompt engineering, and Retrieval-Augmented Generation (RAG).
  • An advanced degree is a plus.

About the company

American Express issues credit and pay-in-full charge cards to consumers and businesses, and unlike most card issuers it also runs the payment network its cards use. Its Travelers Cheque, launched in 1891, made carrying money abroad safer, and in 1959 it became the first major issuer of plastic cards. Cardholders earn points toward flights and hotels plus perks such as airport lounges, while companies use its corporate cards for employee travel and expenses. American Express earns a fee from merchants on each purchase, plus annual fees and interest on balances cardholders carry. Henry Wells and William Fargo, who later started Wells Fargo, co-founded it in 1850 as a freight delivery business; it is based in New York City.

Company Size

10,001+

Company Stage

IPO

Headquarters

New York City, New York

Founded

1850

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Simplify Jobs

Simplify's Take

What believers are saying

  • Customers pay up for premium cards: annual card fee revenue rose 15% to $2.9 billion in the June 2026 quarter.
  • Hybrid dominates listings: 408 of Amex's 451 roles in October 2026 mixed office and home days.
  • Room to grow in AI: Amex listed 56 AI and machine-learning jobs among 451 openings in October 2026.

What critics are saying

  • Stock grants lost value: Amex fell 17% through October 8, 2026; Visa rose 7% over the same period.
  • Generosity is expensive: rewards, perks and partner payments took 45% of revenue in the June 2026 quarter.
  • Regulators are watching closely: Amex's bank agreed to a $350 million penalty over money-laundering controls in October 2026.

What makes American Express unique

  • Merchants pay more than borrowers: merchant fees were 52% of Amex's revenue in the June 2026 quarter, interest 24%.
  • It leans on one airline: Delta-branded cards were 13% of Amex card spending and 21% of its loans in 2025.
  • Most staff work outside the US: 50,900 of Amex's 76,800 employees were abroad at the end of 2025.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability Insurance
  • Unlimited Paid Time Off
  • Flexible Work Hours
  • Hybrid Work Options
  • Paid Vacation
  • Paid Sick Leave
  • Paid Holidays
  • 401(k) Company Match

Company News

Kalkine Media
Oct 27th, 2026
American Express Announces Pricing for $3 Billion Three-Tranche Senior Unsecured Note Offering

Please follow the instructions on the e-mail to complete your registration. If you can't find it, Please check your spam folder

U.S. Securities and Exchange Commission
Oct 25th, 2026
EDGAR Filing Documents for 0001804193-21-000001

EIN.: 844415159 | State of Incorp.: DE | Fiscal Year End: 1231Type: D | Act: 33 | File No.: 021-408204 | Film No.: 211126793

Yahoo Finance
Oct 13th, 2026
Eli Lilly, Tractor Supply and American Express have doubled dividends in five years

Eli Lilly, Tractor Supply Company, and American Express have each more than doubled their quarterly dividends in five years, and their payout ratios suggest more increases could follow. Eli Lilly now pays $1.73 a share, up from $0.85 in 2021. Its payout ratio is 22%, though its yield is only 0.6%. Tractor Supply pays $0.24 a quarter. After a 5-for-1 split in 2024, that is a 131% rise from the split-adjusted $0.104 in 2021. Its yield is 2.9% and its payout ratio about 50%, but the stock is down 33% in 2026. American Express pays $0.95, up 121% from $0.43. Its payout ratio is about 20%, and its shares are down 16% this year.

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Oct 9th, 2026
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Yahoo Finance
Aug 14th, 2026
United Airlines sees loyalty revenue surge 13% as Amex cardholders boost premium spending

United Airlines reported strong second-quarter results driven by loyalty programmes, with American Express playing an unexpected role despite not co-branding a card with the carrier. United's MileagePlus card is issued exclusively by Chase through 2029, but Amex channels premium spend through its Platinum cardholders, who can designate United for a $200 annual credit on bags and fees. Business Platinum holders receive a 35% rebate on economy fares booked through Amex Travel. The airline also benefits from Amex's transfer partnerships with programmes like Air Canada Aeroplan and Singapore KrisFlyer, which provide access to United seats. United's chief commercial officer reported new co-branded card accounts rose 22% year-over-year, hitting a second-quarter record, whilst card spend increased 14%. Loyalty revenue grew 11.3%, or above 13% when adjusted for accounting changes.