E

Early Warning

Fraud prevention and identity verification platform

Principal Software Engineer - AWS

Full-Time
$173k - $276k/yr+ Discretionary incentive plan + 401(k) match
Expert
Bachelor's, Master's, PhD
San Francisco, CA, USA+2 moreMore locations: Chicago, IL, USA | Scottsdale, AZ, USA
HybridHybrid work model; office attendance frequency is not specified.
Software EngineeringFull-Stack Engineering
No H1B Sponsorship

About the job

Requirements
  • Education and/or experience typically obtained through a bachelor's degree in computer science or a related technical field.
  • Fifteen or more years of experience designing and developing complex software projects, including at least eight years in the FinTech domain.
  • One to two years of experience implementing application solutions or services in the cloud using containerization, continuous integration and continuous delivery, automated testing, and security guidelines.
  • Experience leading cross-functional teams to create technical solutions.
  • Effective communication and public-speaking skills, including comfort presenting to all levels within the company.
  • Knowledge of software development lifecycle best practices, software development methodologies including Agile, Scrum, and Lean, and DevOps practices.
  • A proven track record designing and building complex end-to-end systems as a full-stack developer.
  • Hands-on experience with one or more of the following: Java RESTful web services, Java, J2EE, JUnit, Tomcat, microservices architecture, Spring Boot, Spring Core, Kafka, Tibco EMS, JMS, Oracle PL/SQL, JavaScript, jQuery, or AngularJS.
  • Hands-on experience in test automation at unit, component, integration, and functional testing levels.
  • Proven experience in object-oriented analysis and design.
  • Experience implementing CI/CD pipelines, including Git, Chef, Maven, or Jenkins.
  • Solid understanding of modern cloud platforms such as AWS, Google Cloud, or Microsoft Azure.
  • Experience with code repositories such as Git or SVN, bug-tracking tools such as Jira or Bugzilla, and wikis such as Confluence.
  • Must complete a background and drug screen.
  • Must independently be eligible to work in the United States for any employer at the date of hire.
Responsibilities
  • Partner with product management to craft product strategy, create product descriptions, and ensure alignment with technology roadmaps.
  • Serve as a senior point of expertise on software engineering issues, industry trends, and developing technologies; keep abreast of new technologies and industry best practices and identify ways to apply them in the engineering organization.
  • Act as a role model and coach and mentor team members.
  • Own the creation of technical product design and architecture.
  • Create and conduct presentations for small-to-medium-sized groups.
  • Work closely with customers to understand their needs and create partnerships to improve Early Warning products.
  • Partner with software engineering, product, and architecture teams to shape engineering approaches and share knowledge and experience.
  • Develop, scope, and shape a department-wide technical vision for the future.
  • Design and engineer product and application-service solutions aligned with technology strategy roadmaps, including cloud, containerization, CI/CD, and automated testing, while supporting future business growth, maintainability, operational readiness, and self-service.
  • Collaborate and build cross-functional relationships to influence and motivate others and support strategic change management.
  • Support the company's risk management commitment and protect the integrity and confidentiality of systems and data.
Desired Qualifications
  • M.S. or Ph.D. in computer science or another technical field.
  • Knowledge of Splunk, Altiris, or Zabbix.
  • Hands-on experience with AWS.
  • Experience with database design and architectures.
  • Expertise in Terraform or other cloud orchestration technologies.
  • Experience with monitoring and alerting systems such as AppDynamics.
  • Experience with C#, Ruby, Python, or PHP.
  • Knowledge of ACH/EFT.
  • Knowledge of real-time payment networks such as RTP or FedNow.
  • Experience migrating application services from on-premises environments to the cloud.
  • Cloud or Kubernetes certification.

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