Full-Time
Principal Software Engineer
ACI Worldwide
1,001-5,000 employees
Real-time electronic payments software provider
No salary listed
No H1B Sponsorship
Omaha, NE, USA + 1 more
More locations: Norcross, GA, USA
Hybrid
Hybrid work model (2–3 days in office); multiple office locations available. 5–10% travel for conferences or cross-team collaboration.
 Software Engineering (1) |
|---|
Get referred to ACI Worldwide
See people who can refer or advise you
- Bachelor’s degree in Computer Science, Software Engineering, or a related field, or equivalent demonstrated experience; Master’s degree preferred.
- 7+ years of relevant experience may substitute for the degree requirement; the 5+ years of experience listed below remains required regardless.
- 5+ years of professional software engineering experience, with a majority focused on test automation and quality engineering.
- Proven track record of influencing testing practices across development teams rather than owning a centralized test suite.
- Experience mentoring engineers and raising team-level quality capability.
- Payments, financial services, or regulated industry experience preferred.
- Strong proficiency with Playwright or similar E2E frameworks; ability to define scalable, maintainable test patterns and coach others in applying them — not necessarily building and owning the suites directly.
- Hands-on experience with Gherkin, Cucumber, SpecFlow, or equivalent; ability to facilitate example mapping and three-amigos sessions to produce executable specifications.
- Demonstrated experience designing unit, component, integration, API contract, journey, and E2E test strategies appropriate to the risk profile of each system.
- Strong practical experience with at least one major pipeline platform (GitHub Actions, Jenkins, GitLab CI, CircleCI, or equivalent); able to build, maintain, and optimize pipelines.
- Proficiency with REST and GraphQL testing; experience with contract testing tools (Pact or equivalent).
- Strong proficiency in at least one of: TypeScript/JavaScript or C#; automation code should be indistinguishable in quality from production application code.
- Test data and environment management — experience with synthetic data generation, service virtualization (WireMock, MockServer), and environment isolation strategies.
- Deep familiarity with Git and trunk-based development, including its implications for test suite design and branch strategy.
- Thorough understanding of Continuous Delivery principles as articulated in the field (Humble & Farley, Accelerate / DORA research, Team Topologies).
- Practical knowledge of the DORA four key metrics (deployment frequency, lead time for changes, MTTR, change failure rate) and how test automation strategy directly influences them.
- Experience operating in a trunk-based development environment with short-lived branches and high deployment frequency.
- Familiarity with feature flagging, canary releases, and progressive delivery patterns.
- Ability to communicate technical quality risks clearly to non-technical stakeholders and product managers.
- Strong facilitation skills for three-amigos and example mapping sessions; ability to build team capability to run these independently.
- Comfort operating in lean, iterative environments where requirements evolve and feedback is rapid.
- A collaborative, non-gatekeeping mindset: quality is everyone’s responsibility, and this role leads that cultural shift by raising team capability rather than absorbing team responsibility.
- Partner with product managers, architects, and engineers early in feature discovery to define clear, unambiguous acceptance criteria before a line of code is written.
- Translate business requirements into executable specifications so that acceptance criteria become living documentation and automated tests simultaneously.
- Define and maintain the test strategy for each product area, including the test pyramid rationale: what belongs in unit tests, component tests, integration tests, API contract tests, journey tests, and end-to-end (E2E) tests.
- Identify and eliminate test duplication, flakiness, and over-reliance on E2E tests that slow feedback loops — applying the principle that fast, reliable feedback is a strategic advantage.
- Drive shift-left quality practices: inspections, three-amigos sessions, example mapping, and lightweight design reviews that surface defects before they become bugs.
- Define standards, patterns, and shared tooling for E2E, journey, component, integration, and API contract tests; coach development teams to implement and own their own test coverage using those patterns.
- Establish Page Object Model, component-level isolation, and other maintainability patterns as team norms — through documentation, code review, and pairing — rather than by maintaining a central test suite.
- Review team-authored test code for coverage adequacy, correctness, and long-term maintainability; provide actionable, specific feedback that raises the team’s collective skill.
- Design and deliver shared test infrastructure: data seeding utilities, synthetic data generation, service virtualization (WireMock, MockServer), and environment isolation strategies that teams can use independently.
- Set and enforce the standard that automation code is treated to the same engineering discipline as production code: reviewed, version-controlled, and refactored as a first-class artifact.
- Identify systemic gaps in test coverage across teams and coordinate cross-team efforts to close them without creating centralized bottlenecks.
- Define pipeline quality gates and standards so that every commit triggers the appropriate level of automated feedback before code can progress to the next stage.
- Work with platform and development teams to integrate test suites into CI/CD pipelines (GitHub Actions, Jenkins, GitLab CI, or equivalent); coach teams to own their own pipeline health.
- Optimize test execution for speed and parallelism; identify and resolve bottlenecks that cause pipeline slowdown. Treat pipeline duration as a product metric.
- Champion a culture where a failing build is treated as a production incident and the pipeline is never left red.
- Advance trunk-based development practices and ensure test suite design supports continuous integration, not just continuous testing after a long-lived branch merge.
- Support release automation, feature toggles, and progressive delivery patterns that enable teams to decouple deployment from release.
- Act as an embedded quality advisor in lean product ceremonies — sprint planning, story refinement, retrospectives, and continuous improvement cycles — bringing a quality perspective without owning quality outcomes on behalf of the team.
- Work in tight feedback loops with product managers and engineers to validate that delivered software meets the intent of acceptance criteria, not just the letter.
- Reduce cycle time by surfacing defects as close to their origin as possible; track and report on escaped defects, mean time to detection, and test coverage trends.
- Mentor engineers across the team on testable design, test-driven development (TDD), and the application of the four-key DORA metrics as a quality feedback system.
- Facilitate three-amigos and example mapping sessions; build team capability to run these sessions independently over time.
- Document and share test strategies, automation patterns, and quality practices through internal guides, workshops, and code reviews — creating reusable assets the organization can build on.
- Experience in payments, fintech, or other regulated industries where test coverage has compliance and audit implications (PCI-DSS, SOC 2).
- Familiarity with security testing practices relevant to regulated environments: OWASP awareness, authentication and authorization validation, and compliance-driven test coverage.
- Experience with performance and load testing integrated into the delivery pipeline.
- Experience with visual regression testing tools (Percy, Chromatic, or Playwright visual snapshots).
- Experience with accessibility (a11y) testing and WCAG compliance validation.
- Experience using AI-assisted tools for test generation, coverage gap analysis, or exploratory testing acceleration.
ACI Worldwide provides real-time electronic payment and banking software for banks, financial institutions, processors, and merchants. Its offerings include mission-critical software and SaaS solutions that enable processing of electronic payments, settlement, and related treasury functions. The products work as licensed software or cloud-based services, with ongoing maintenance and transaction-based fees for cloud offerings; customers interact with the systems to initiate, route, and settle payments in real time, across various channels and payment networks. Compared with peers, ACI differentiates itself through a broad, global portfolio of payment engines and services, support for multiple payment rails, and a mix of on-premises and cloud-based deployment with pricing tied to usage. Its goal is to help customers move money quickly, securely, and reliably at scale, enabling institutions and businesses to run real-time payment workflows and digital banking operations worldwide.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Coral Gables, Florida
Founded
1975
Get referred to ACI Worldwide
See people who can refer or advise you
Simplify's Take
What believers are saying
- Rabobank’s iDEAL migration to Wero uses ACI real-time payments technology through 2027.
- ACI joined EPI as a technical service provider for Wero expansion across Europe.
- ACI’s 2026 guidance targets $1.88 billion to $1.91 billion revenue.
What critics are saying
- Adyen Agentic threatens ACI’s merchant stack with AI-native commerce integration.
- Visa and Revolut Click to Pay shifts checkout control toward card networks.
- Hyperscalers can outcompete ACI Connetic with native cloud payments infrastructure.
What makes ACI Worldwide unique
- ACI Connetic unifies card and account-to-account payments on one cloud platform.
- ACI processes 777.5 billion consumer transactions annually, showing deep infrastructure scale.
- ACI serves banks, processors, merchants, and billers across global payment rails.
Help us improve and share your feedback! Did you find this helpful?
Benefits
Health Insurance
Remote Work Options
Flexible Work Hours
Company News
UBX Tanzania deepens partnership with ACI Worldwide to power the next phase of the nation's digital economy. The upgraded platform is expected to double monthly payment transaction processing capacity ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, today announced the extension of its long-standing partnership with UBX Tanzania Limited, Tanzania's leading national payment service provider. The extended partnership marks a significant milestone in a relationship that spans nearly two decades and is focused on strengthening infrastructure resilience, enhancing scalability and enabling innovation to support Tanzania's rapidly evolving digital economy. UBX currently powers the core payments infrastructure for 18 banks in Tanzania, supporting a nationwide network of over 250 ATMs and processing more than 1.3 million transactions monthly. Through this extended collaboration, UBX is positioned to accelerate the onboarding of new financial institutions and is projected to nearly double its payment-processing capacity over the next five years. Built on an active, high-availability infrastructure across two certified PCI-compliant data centers in Tanzania, the platform strengthens resilience and reduces service disruption and operational risk. "As Tanzania's payments landscape continues to grow in scale and complexity, we need infrastructure that is not only reliable but also adaptable to future demands," said Seronga Wangwe, Managing Director and Chief Executive Officer of UBX Tanzania Limited. "ACI gives us the confidence to expand our services, support more institutions, and continue delivering secure, high-performance, and always-on payment experiences that underpin economic activity across the country." Under the extended partnership, UBX can now serve merchants directly, expanding its market reach and service portfolio while streamlining operations and delivering significant savings in cost, time, and effort. The platform also enables UBX to launch new value-added services, such as digital wallets, supporting innovation across Tanzania's growing fintech ecosystem. Designed to meet global and local regulatory standards, the platform secures transactions and helps UBX navigate evolving regulatory complexity without the burden of infrastructure management. "Our extended partnership with UBX reflects a long-standing relationship grounded in decades of mutual trust, underpinned by ACI's deep global expertise in the payments industry and a shared commitment to advancing digital payment transformation in Tanzania," said Nick Craig, General Manager, EMEA at ACI Worldwide. "ACI is proud to support UBX's vision in the development of an inclusive, sustainable, and innovative payments ecosystem that promotes financial inclusion and drives long-term economic growth."
Why one banking systems engineer thinks XRP price could hit $300 after clarity act passes. The post why one banking systems engineer thinks XRP price could hit $300 after clarity act passes appeared first on coinpedia fintech news. Banking systems engineer CharuSan has outlined a case for XRP reaching $300 that rests not on speculation but on how banking infrastructure actually works at scale. The argument challenges a widely held assumption. Most XRP price forecasts model adoption as a slow process where Ripple signs individual contracts with thousands of banks one by one. CharuSan says that misunderstands how modern banking software is deployed. Ripple has already partnered with major financial infrastructure providers including Volante, ACI Worldwide, and Finastra. These companies do not serve one bank at a time. They serve thousands of banks simultaneously through centralised cloud systems. A single software update from any one of these providers can make XRP liquidity available to every bank connected to their network overnight. "Ripple does not need to sign individual contracts with 13,000 banks," CharuSan wrote. "The moment they plug into the central cloud, all banks connected to the system become capable of using XRP liquidity." The price logic. On valuation, CharuSan made a structural argument rather than a speculative one. If XRP remains at $10 to $20, the total liquidity pool it can provide is too small to handle the volume of global cross-border payments that banks process daily. He compared it to trying to move ocean water through a small straw. As adoption scales and transaction demand increases, a higher token price is not just a side effect. It is a requirement. Larger payment flows need deeper liquidity pools, and deeper liquidity pools require a higher token price to function efficiently. The counterargument. Critics say that $300 would place XRP's market cap in territory that would require extraordinary capital inflows. Most long-term price models top out between $30 and $100.
Colombia's Bre-B hits more than 500 million transactions as ACI Worldwide and Banco de la República take the stage at Fintech Americas 2026. WHY THIS MATTERS: Colombia's Bre-B system is a new benchmark for real-time payments in Latin America, establishing a critical foundation for greater financial inclusion across the region. Processing half a billion transactions and registering over 100 million keys in its first five months is a feat of national-scale financial market infrastructure that validates the central bank's approach to public-private collaboration. This adoption rate is not just a statistical milestone; it signifies a massive shift in consumer and business behavior, proving that interoperable instant payment systems - when properly implemented - are immediately sticky. This success offers a direct roadmap for other emerging economies looking to modernize their payment rails and drive transactions away from cash. For global fintechs and financial institutions, Bre-B's trajectory signals that the next competitive frontier in LatAm lies in building services on top of these high-velocity, low-cost rails, particularly as the focus now shifts toward seamless cross-border capabilities. Colombia's real-time payments transformation is accelerating at remarkable speed. In just five months, Bre-B has processed more than 500 million transactions and registered over 100 million payment keys, firmly establishing the scheme as one of the most rapidly scaled real-time payment systems in Latin America. For this achievement, ACI has been named the winner of this year's Central Banking Financial Market Infrastructure Services - Retail Award. The awards judges highlighted the collaborative nature of the scheme, the implementation in record time, and ACI's flexibility in addressing design challenges to deliver the Bre-B implementation on schedule, ensuring a highly successful launch. These milestone results will be in the spotlight at Fintech Americas Miami 2026, where Mauricio Fernández, real-time payments lead, Latin America, ACI Worldwide, and Ana Carolina Ramírez Pineda, deputy director of retail payments, Banco de la República, will share insights into Bre-B's rapid rise and outline what comes next for the national scheme. Powered by ACI Worldwide (NASDAQ: ACIW) and operated by Banco de la República, Bre-B is redefining how Colombians send money, pay merchants, and engage with digital financial services. Its early performance reflects both the scale and inclusivity of Colombia's new real-time payments infrastructure, representing one of the strongest national real-time deployments anywhere in the world. A New Foundation for Colombia's Real-Time Economy Launched to modernize the country's payment infrastructure and expand financial inclusion, Bre-B enables instantaneous, interoperable transfers across all participating financial institutions. Built on ACI's Digital Central Infrastructure, the scheme is already reshaping how consumers, merchants, government entities, and utilities conduct transactions. It also represents a regional first: a nationally coordinated real-time payments scheme jointly developed by the central bank, regulators, commercial banks, and technology partners, setting a new standard for collaborative digital payments innovation in Latin America. ACI Worldwide: Powering Colombia's National Real-Time Scheme As Banco de la República's technology partner, ACI Worldwide provides the addressing directory, 24/7 clearing and settlement engine, and interoperability services that underpin Bre-B's reliability and scale. "Bre-B's first five months demonstrate what coordinated leadership and modern infrastructure can achieve at national scale," said Mauricio Fernández, real-time payments lead, Latin America, ACI Worldwide. "Colombia is now one of the region's most advanced real-time payments markets. We are proud to support Banco de la República in building a system that strengthens financial inclusion and sets a new benchmark for Latin America." "Bre-B has fundamentally transformed how Colombians transact, creating faster, more transparent, and more inclusive financial services," said Ana Carolina Ramírez Pineda, deputy director of retail payments, Banco de la República. "The first five months highlight the power of interoperability and strong public-private collaboration. As we move into the next phase, continued partnership with ACI Worldwide will be essential in expanding innovation and exploring real-time cross-border opportunities." Looking Ahead: Real-Time Cross-Border Opportunities With domestic real-time payments firmly established, attention now turns to the cross-border dimension, particularly the high-volume corridor between the United States and Latin America. At Fintech Americas, ACI Worldwide will outline how domestic real-time schemes like Bre-B can interoperate with global real-time networks, positioning regional banks to compete in the fast-growing remittances and international payments space. Fintech Americas Miami 2026: ACI Worldwide and Banco de la República on Stage Bre-B will take center stage at Fintech Americas as ACI Worldwide and Banco de la República share their journey, insights, and lessons learned. Featured Session: Real-Time Payments and 24/7 Economies, The New Competitive Advantage in Latin America, Wednesday, March 25, 2:30 PM - 3:00 PM EDT * Mauricio Fernández, Real-Time Payments Lead, Latin America, ACI Worldwide * Ana Carolina Ramírez Pineda, Deputy Director of Retail Payments, Banco de la República Together, they will unpack Bre-B's governance model, operational rollout, adoption trajectory, and its wider economic impact. FF NEWS TAKE: The rapid scalability and adoption of Bre-B moves the needle significantly for the entire Latin American payment landscape. It confirms the region's readiness for large-scale real-time payments adoption, setting a high bar for speed and government-led execution. The most important area to watch next is the transition to real-time cross-border payments. Given the high-volume remittance corridor between the US and LatAm, Bre-B's future ability to interoperate with global networks like FedNow or Pix will determine if regional banks can successfully capture a greater share of the international payments and remittances market.
ACI Worldwide has launched ACI Connetic for Cards, a cloud-native card payments suite integrated within its unified payments platform. The solution combines issuing, acquiring and ATM capabilities with account-to-account payments and AI-driven fraud prevention on a single platform. ACI currently processes over 300 billion card transactions annually through its existing solutions. The new platform modernises these capabilities with enterprise-grade modular architecture supporting the full transaction lifecycle across all channels. Global card transactions reached 776 billion in 2024 and are projected to hit 1.1 trillion by 2029, according to the Nilson Report. ACI Connetic for Cards provides financial institutions with a modernisation pathway that maintains stability whilst enabling faster innovation. The cloud-native, API-first platform offers enhanced operational efficiency and greater resilience across payment ecosystems.
ACI Worldwide reported fourth-quarter earnings of $0.90 per share, missing the Zacks Consensus Estimate of $1.05 per share and falling short of $1.08 earned a year earlier. The earnings miss represents a 14.29% negative surprise. The electronic payments software company posted revenues of $481.6 million for the quarter ended December 2025, exceeding the Zacks Consensus Estimate by 2.82% and surpassing year-ago revenues of $453.04 million. The company has beaten consensus revenue estimates in four consecutive quarters. ACI Worldwide shares have declined 13.2% year-to-date, underperforming the S&P 500's 1.5% gain. The company currently holds a Zacks Rank of 4 (Sell), suggesting shares are expected to underperform the market near-term. Consensus estimates for the coming quarter stand at $0.34 per share on revenues of $402.2 million.