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Early Warning

Fraud prevention and identity verification platform

Principal Cloud Engineer - Cloud

Full-TimePosted on 10/22/2026
$173k - $276k/yr+ Discretionary incentive plan
Expert
Bachelor's, Master's
San Francisco, CA, USA+2 moreMore locations: Chicago, IL, USA | Scottsdale, AZ, USA
HybridHybrid work model; office locations include Scottsdale, Chicago, and San Francisco.
DevOps & InfrastructureCloud Engineering
No H1B Sponsorship

About the job

Requirements
  • A bachelor's degree in computer science or a related technical field, or equivalent qualifying experience, is typically required.
  • Typically, 15 years of experience or a demonstrated portfolio consistent with the role is required in cloud engineering, infrastructure engineering, platform engineering, DevOps, or related technical roles.
  • Typically, 5 years of experience or a demonstrated portfolio consistent with the role is required designing and operating enterprise-scale AWS solutions.
  • Deep expertise in AWS compute, storage, networking, identity, container orchestration, and managed data services is required.
  • Deep knowledge of Kubernetes, container platforms, Linux environments, and distributed systems design is required.
  • Demonstrated experience leading architecture and technical direction for large-scale, business-critical cloud platforms or migrations is required.
  • Ability to influence engineers, architects, and leaders across multiple teams without direct authority is required.
  • Strong experience establishing and scaling infrastructure-as-code practices using Terraform and related automation tooling is required.
  • Strong knowledge of CI/CD, testing, secure engineering, operational readiness, and software delivery lifecycle practices is required.
  • Proven experience implementing and governing security and compliance controls aligned with frameworks such as PCI-DSS, SOC 2, or FFIEC is required.
  • Strong experience designing and operationalizing observability solutions for complex, high-availability transactional environments is required.
  • Strong judgment evaluating technical tradeoffs involving reliability, security, cost, speed, and maintainability is required.
  • Excellent written and verbal communication skills, including communicating complex technical concepts to technical and non-technical stakeholders, are required.
  • High customer responsiveness, strong documentation skills, attention to detail, and effective prioritization in ambiguous environments are required.
  • A background check and drug screen are required.
Responsibilities
  • Define and lead cloud engineering strategy, reference architectures, and technical standards for AWS-based infrastructure and platform capabilities.
  • Lead the design of scalable, resilient, secure, and cost-optimized cloud-native solutions using AWS services including EC2, Lambda, S3, RDS, EKS, IAM, VPC, and KMS.
  • Solve complex infrastructure and platform problems spanning multiple systems, teams, and technology layers.
  • Lead root cause analysis for significant incidents, drive durable corrective actions, and improve platform reliability, resiliency, and operational readiness.
  • Establish enterprise patterns for infrastructure as code, automation, and CI/CD practices using Terraform and related delivery tooling.
  • Partner with Security, Risk, and Compliance teams to design and maintain cloud controls meeting regulatory and policy requirements, including PCI-DSS, SOC 2, and FFIEC.
  • Provide technical leadership for internal and external audits by shaping control evidence approaches, addressing audit requests, and improving audit readiness.
  • Architect disaster recovery, high availability, backup, and fault-tolerant strategies for critical cloud services; validate recovery approaches through testing and continuous improvement.
  • Define and enforce cloud security best practices for identity and access management, network segmentation, encryption, key management, secrets handling, and secure workload configuration.
  • Drive cloud vulnerability management and configuration compliance strategies to ensure remediation, patching, and hardening meet service-level expectations.
  • Establish cloud observability standards and lead implementation of logging, metrics, tracing, dashboards, and alerting for complex transactional systems.
  • Influence technical roadmaps, sequencing, and investment decisions across engineering teams to improve cloud adoption, operability, and platform consistency.
  • Build cross-functional relationships and advise engineering leaders and senior stakeholders on cloud architecture, risk, tradeoffs, and long-term technical direction.
  • Produce technical documentation, standards, architecture artifacts, and guidance that enable adoption across teams.
  • Mentor engineers and technical leaders by raising engineering standards, sharing expertise, and guiding design and execution on high-impact initiatives.
  • Support the company’s risk management and protection of the integrity and confidentiality of systems and data.
Desired Qualifications
  • A master's degree in computer science, management information systems, or a related field is preferred.
  • Current AWS certifications or other relevant cloud certifications are preferred.
  • Experience leading large-scale cloud migration or modernization programs in regulated environments is preferred.
  • Experience with policy as code, cloud governance frameworks, and developer enablement models that improve safe self-service adoption is preferred.
  • Experience with monitoring and alerting platforms such as Prometheus, Grafana, ELK Stack, Splunk, or AppDynamics is preferred.
  • Experience with container and workload security technologies is preferred.
  • Experience with programming or scripting languages such as Python, Java, C#, Ruby, or Shell is preferred.
  • Knowledge of ACH/EFT and real-time payment networks, including RTP or FedNow, is preferred.
  • Experience in FinTech, banking, payments, or other highly regulated industries is preferred.

About the company

Early Warning provides fraud prevention, identity verification, and risk management solutions for financial institutions, government entities, and payment companies in the United States. It operates by a bank-to-bank data-sharing network and acts as a nationwide specialty consumer reporting agency, managing and stewarding data to create a single view of fraud activity and enable real-time payments, deposit and check validation, and verification. Its strength lies in bank-to-bank data sharing and data stewardship across the banking industry, offering cross-functional fraud visibility for real-time payments and deposits. The goal is to prevent deposit losses and financial crime by delivering trusted data, risk insights, and verification capabilities across the US financial system.

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

$22.9M

Headquarters

Scottsdale, Arizona

Founded

1990

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Simplify Jobs

Simplify's Take

What believers are saying

  • Citi launched Paze in March 2026, extending reach to millions of cardmembers.
  • ACI Worldwide added Paze in January 2026, expanding merchant distribution across Pay.On.
  • Early Warning announced India in June 2026, opening a massive remittance corridor.

What critics are saying

  • New York's July 2026 ruling keeps the fraud case alive through discovery and trial.
  • Attorney General James alleges Zelle enabled over $1 billion in fraud, threatening restitution.
  • India launch and ZelleUSD invite regulator scrutiny before global expansion proves durable.

What makes Early Warning unique

  • Seven owner banks anchor Early Warning's fraud data network and payments reach.
  • Paze combines eligible cards into one bank-backed checkout wallet, reducing manual entry.
  • Zelle now spans $1.2 trillion annual transfers and global remittance rails.

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Benefits

  • Health Insurance
  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Unlimited Paid Time Off
  • Paid Vacation
  • Paid Parental Leave
  • Family Planning Benefits
  • Flexible Work Hours

Company News

Yahoo Finance
Jun 27th, 2026
New York AG sues Zelle for allegedly allowing fraudsters to steal $1B from consumers

New York Attorney General Letitia James has sued Early Warning Services, Zelle's parent company, alleging the payment platform failed to implement safeguards that allowed fraudsters to steal over $1 billion between 2017 and 2023. The lawsuit claims Zelle's rushed launch led to design flaws including quick registration and lack of verification. EWS is co-owned by seven major banks, including Bank of America, JPMorgan Chase and Wells Fargo. The suit follows a similar case by the Consumer Financial Protection Bureau, which was dropped after the agency faced significant restructuring under the Trump administration. James's lawsuit seeks restitution for affected New Yorkers and a court order requiring anti-fraud measures. A Zelle spokesperson called the lawsuit a "political stunt". Zelle had 151 million users as of 2024.

Boland Hill Media, LLC
Jun 12th, 2026
Zelle's foray into India and other digital transactions news briefs from 6/12/26.

Zelle's foray into India and other digital transactions news briefs from 6/12/26. * Early Warning Services LLC said India is the first country outside the United States where U.S. users of the Zelle peer-to-peer payments service can send remittances. Simultaneously, Early Warning introduced its first stablecoin, ZelleUSD, aimed at international payments from U.S. users. * Stable, a blockchain network featuring the stablecoin USDT, has joined the Mesh Alliance Program as a Gold member. The effort is expected to help enable enterprise companies to connect more directly to transactions using USDT. * E-commerce technology developer Shopware has launched Shopware Payments, based on technology from PayPal. * Bridge, a technology developer for health care, launched its Patient Access and Revenue Suite, which includes embedded-payments capabilities and digital wallets. * Cryptocurrency payments company BitPay marked its 15th year in business and said it has processed more than 900,000 transactions so far this year, up 12% from this time last year. Stablecoins account for nearly half of that volume, the company said. * Block Inc.'s Square point-of-sale payments platform has launched Square High Yield Savings, which offers Square merchants a 3.5% average yield if they maintain a daily balance of at least $10,000 or more in a Square Savings account. * Nacha, the governing body for the automated clearing house network, said it has named Backpack a preferred partner for ACH experience, open banking, and risk and fraud prevention. Backpack specializes in payments for higher education. Preferred partners "offer products and services that advance the ACH network," Nacha said. * Power Financial Credit Union has chosen the NCR Atleos Corp. and Allpoint+ networks to widen its cash-access services for customers. * "High Risk Merchant Accounts 101: The Essential Guide to Payment Processing in High Risk & Regulated Industries," a book published by SoarPay, has achieved best-seller status on Amazon since its release in May, according to authors Adam Carlson, SoarPay's chief executive, and entrepreneur Andy Hagans.

Associated Press
Jun 11th, 2026
Zelle launches India expansion and ZelleUSD stablecoin after moving $1.2T in 2025

Zelle will expand to India later this year, marking the peer-to-peer payment service's first international market since launching nine years ago. Early Warning Services, which operates Zelle, selected India as its starting point because roughly a third of annual remittances to India originate from the United States. The company plans further international expansion and will create ZelleUSD, a US dollar-backed stablecoin to support operations in other markets. Zelle processed over $1.2 trillion in transfers during 2025, making it one of America's most popular direct payment services. The expansion follows years of scrutiny over fraud and unauthorised transfers. A Consumer Financial Protection Bureau lawsuit filed in December 2024 was dropped in March 2025, though New York Attorney General Letitia James's similar lawsuit continues. Early Warning Services is owned by seven major banks including JPMorgan Chase and Bank of America.

PR Newswire
Mar 17th, 2026
Citi adds Paze digital wallet for millions of US credit cardmembers

Early Warning Services has expanded its Paze online checkout solution to Citi, giving millions of credit cardmembers access to the bank-offered digital wallet. Eligible Citi cardmembers can activate Paze through Citi.com, the Citi Mobile App, or mywallet.paze.com. Paze allows customers to check out online without manually entering card details, using tokenisation for added security. The service is available at leading online merchants across apparel, electronics, jewellery, food, entertainment and beauty sectors. According to a survey, 72% of US consumers value digital wallet efficiency for online transactions, whilst 82% trust their banks' security more than third-party payment options. More than 165 million credit and debit cards have been added to the Paze platform, which is operated by Early Warning Services.

PR Newswire
Sep 4th, 2025
Extending the Reach of Zelle(R): Alacriti and Early Warning Join Forces

Alacriti partners with Early Warning Services to embed Zelle(R) into its Orbipay Payments Hub