Full-Stack Engineer

BNY's Loans Platform team is building the firm's strategic platform for loans and structured credit products, including notes and CLOs. It combines AI-powered document processing, a deterministic policy engine, event-driven agent services, and blockchain-based transaction recording to modernize how complex credit agreements are onboarded and serviced and how trades are settled at scale. The platform will replace legacy loans systems.

This is a hands-on, AI-enabled engineering role. You'll write production code using Codex or Claude, own production systems, and ship features that process real financial transactions. The team is intentionally small and senior, using AI throughout the software development lifecycle to operate with exceptional leverage. You'll also provide technical leadership, setting engineering standards, mentoring the team, and driving the platform roadmap alongside active client delivery. Success means shipping a high-quality product that clients adopt-one that reduces costs and generates revenue for the firm.

The Platform

• AI-powered document processing-LLM pipelines that extract and structure complex financial terms from several-hundred-page credit agreements using RAG architectures and knowledge graph platforms.

• Policy engine- per-deal rule sets generated from extracted terms that encode interest accrual, margin pricing, drawdown validation, amortization schedules, fees, and default behavior as deterministic, auditable business logic.

• Agent services-event-driven Java services that orchestrate day-to-day loan servicing -contract creation, accrual processing, rate resets, paydowns, borrower elections- by querying the policy engine and recording transactions on-chain.

• Blockchain ledger- smart contracts on a private chain that serve as the immutable record of all cash movements, position updates, and schedule changes.

• Operations tooling-React dashboards for operations teams, lenders, and borrowers, with integrated exception-management workflows.

What You'll Do

• Take primary ownership of one area of the platform while contributing across the stack- backend services (Java/Python), frontend tooling (React), AI orchestration, smart contracts, or policy logic

• Design, build, and own components end-to-end from technical discovery through production deployment

• Architect event-driven systems using Kafka, containerized deployments, and resilient distributed-systems patterns

• Lead technical discovery and rapid prototyping to validate new capabilities before committing to production builds

• Establish coding standards, architectural patterns, and engineering best practices that keep the codebase maintainable as the team scales

• Mentor engineers, lead code reviews, and create a culture of technical rigor

• Collaborate with product, operations, and compliance teams to translate business requirements into working systems

• Communicate technical strategy and trade-offs to senior leadership in clear, actionable terms

What You Bring

• 10+ years of software engineering experience, with a strong track record of shipping production systems.

• Deep proficiency in at least one layer of stack -backend services, frontend UIs, AI/ML systems, blockchain, or data infrastructure with the ability to work across others

• Strong fundamentals in distributed systems, event-driven architecture, and API design

• Experience with some combination of: Java, Python, React, Kafka, Oracle, Snowflake, Docker/Kubernetes

• Fluency with AI-assisted software development, including using coding agents such as Codex and Claude to move quickly without compromising quality

• Experience with LLMs, prompt engineering, RAG architectures, or AI/ML integration is a strong plus

• Familiarity with blockchain, smart contracts, or on-chain transaction systems is a strong plus

• Financial services or capital markets experience is a plus - you don't need to be a loan expert, but you should be comfortable learning the domain quickly

• You default to building and shipping over theorizing -prototypes, working code, and measurable results matter more than slide decks

Why This Role

This isn't a typical enterprise engineering job. You'll work at the intersection of AI, programmable policy, and financial infrastructure- building systems that digitize complex legal documents, automate loan servicing operations, and drive real money movement. The problems are hard, the domain is complex, and the impact is direct.

Base Salary Min: 147000

Base Salary Max: 240000