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Wells Fargo

Diversified financial services: banking, lending, investments

Principal AI Engineer - Enterprise Generative AI

Full-TimeUpdated Deadline 11/3/26
No salary listed
Senior
Charlotte, NC, USA+1 moreMore locations: Irving, TX, USA
HybridHybrid work schedule; must be based in Charlotte, NC or Irving, TX, or willing to relocate at own expense.
Software EngineeringAI Application Engineering, Backend Engineering
No H1B Sponsorship

About the job

Requirements
  • At least 7 years of software engineering experience, with significant depth in artificial intelligence/machine learning or data-intensive systems.
  • At least 2 years of experience programming in Python.
  • Proven experience designing and delivering production-scale generative artificial intelligence systems in an enterprise environment.
  • At least 2 years of experience with large language models, prompt engineering, and retrieval-augmented generation architecture.
  • At least 2 years of experience with vector databases and semantic search.
  • At least 2 years of experience with application programming interface-driven, cloud-native architectures.
  • At least 2 years of experience with distributed systems and performance optimization.
Responsibilities
  • Own and define enterprise-grade generative artificial intelligence architectures, including retrieval-augmented generation pipelines, agentic workflows, prompt orchestration, and multi-model routing strategies.
  • Drive production readiness for generative artificial intelligence solutions, ensuring scalability, resilience, observability, and cost efficiency.
  • Lead complex architectural decisions spanning data ingestion, vector databases, model selection, guardrails, latency optimization, and application programming interface scalability.
  • Establish reference architectures and reusable patterns to accelerate generative artificial intelligence adoption across Lines of Business.
  • Act as a Forward Deployed Principal Engineer, partnering directly with business and product teams to deliver high-impact generative artificial intelligence use cases from ideation to production.
  • Translate business problems into well-defined artificial intelligence system designs and non-functional requirements, ensuring measurable outcomes.
  • Troubleshoot and resolve complex production issues across non-production and production environments.
  • Influence the platform roadmap by feeding real-world use-case requirements back into central artificial intelligence services, such as Tachyon.
  • Ensure all artificial intelligence solutions align with Wells Fargo risk, cybersecurity, and model governance standards, including AIRR, data protection, and guardrails.
  • Partner with Cyber, Model Risk Management, Legal, and Risk teams to design compliant artificial intelligence patterns without slowing delivery.
  • Embed security, privacy, and ethical artificial intelligence principles into solution design by default.
  • Serve as a recognized generative artificial intelligence expert across the enterprise, regularly consulted by engineering, architecture, and leadership teams.
  • Mentor senior- and staff-level engineers and raise the technical bar across teams.
  • Contribute to internal communities of practice, architecture reviews, and executive-level technical discussions.
  • Represent Wells Fargo generative artificial intelligence capabilities in internal innovation forums and knowledge-sharing sessions.
  • Support a strong customer-relationship focus and risk-mitigating, compliance-driven culture by following applicable policies and procedures, fulfilling risk and compliance obligations, monitoring and escalating risks, and making sound risk decisions.
Desired Qualifications
  • Strong understanding of non-functional requirements, including security, scalability, resiliency, observability, and cost management.
  • Demonstrated Principal-level impact, with influence across multiple teams, platforms, or business units.
  • Experience operating in highly regulated environments; financial services experience is strongly preferred.
  • Hands-on experience with agentic artificial intelligence frameworks and multi-model orchestration.
  • Prior experience in a Forward Deployed Engineer or embedded engineering model.
  • Ability to communicate complex technical concepts clearly to senior executives and non-technical stakeholders.

About the company

Wells Fargo offers a broad range of banking, mortgage, investing, credit card, and wealth and commercial services in the United States. Its products work through a network of branches, ATMs, and digital platforms, combining everyday banking with lending, investment products, and advisory services. The company differentiates itself with a large nationwide branch presence, a wide mix of financial services under one roof, and a focus on secure, user-friendly technology. Its goal is to help customers manage, protect, and grow their money by providing trusted, accessible financial solutions.

Company Size

10,001+

Company Stage

IPO

Headquarters

San Francisco, California

Founded

1851

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Simplify's Take

What believers are saying

  • July 2026 second-quarter revenue rose 9% to $22.6 billion, beating estimates.
  • July 2026 investment banking fees jumped 35% to $939 million, showing capital-markets momentum.
  • 2026 card accounts grew 20% and commercial loans 12%, expanding fee and interest income.

What critics are saying

  • January 2026 severance costs hit $612 million after 5,600 layoffs, signaling ongoing restructuring.
  • CFPB’s 2022 $3.7 billion order keeps auto, mortgage, and deposit misconduct damage alive.
  • One OCC AML enforcement action remains; another control failure triggers fresh penalties and leadership scrutiny.

What makes Wells Fargo unique

  • June 2025 Fed lifted Wells Fargo’s $1.95 trillion asset cap, restoring balance-sheet growth.
  • May 2026 Advisor Gateway gave 200-plus tools and BlackRock Aladdin analytics to wealth advisors.
  • Wells Fargo still owns a top-tier U.S. branch franchise and $2.2 trillion wealth platform.

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Benefits

  • Health Insurance
  • 401(k) Retirement Plan
  • Paid Vacation
  • Paid Sick Leave
  • Parental Leave
  • Disability Insurance
  • Life Insurance
  • Tuition Reimbursement
  • Commuter Benefits
  • Adoption Assistance

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