Full-Time

Principal Software Engineer

Java/Aws

Posted on 5/9/2026

Early Warning

Early Warning

1,001-5,000 employees

Fraud prevention and identity verification platform

Compensation Overview

$173k - $259k/yr

+ Discretionary Incentive Plan

No H1B Sponsorship

San Francisco, CA, USA + 3 more

More locations: Chicago, IL, USA | Scottsdale, AZ, USA | New York, NY, USA

Hybrid

Category
Software Engineering (1)
Required Skills
Chef
jQuery
Tomcat
Microsoft Azure
JavaScript
Software Testing
Git
JUnit
Apache Kafka
Java
Docker
Microservices
AWS
JIRA
Jenkins
Maven
REST APIs
Confluence
DevOps
Oracle
AngularJS
Spring
Google Cloud Platform
Requirements
  • Education and/or experience typically obtained through a Bachelor’s degree in computer science or related technical field.
  • Fifteen or more years of experience in designing and developing complex software projects with at least eight or more years in FinTech domain.
  • 1-2 years of experience implementing application solutions/ services in Cloud using Containerization, CI/CD, Automated testing and in compliance security guidelines
  • Experience in leading cross-functional teams to create technical solutions
  • Effective communicator with exceptional public speaking skills. Comfortable presenting to all levels within the company
  • Knowledge of Software Development Lifecycle best practices, software development methodologies (Agile, Scrum, LEAN etc) and DevOps practices
  • Proven track record designing and building complex end-to-end systems (full stack developer)
  • Hands-on experience in designing and developing using the following technologies: Java RESTful Web Services (Java, J2EE, JUnit, and Tomcat.), Microservices Architecture., Open Source Frameworks - Spring boot, Spring Core, Messaging frameworks such as Kafka, Tibco EMS or JMS, Oracle PL/SQL, JavaScript and scripting frameworks (JQuery, AngularJS)
  • Hands-on experience in test automation at various levels of testing (unit, component, integration and functional tests)
  • Proven experience in OOA/OOD
  • Experience with CI/CD pipeline implementation including GIT, Chef, Maven, Jenkins etc
  • Solid understanding of modern Cloud platforms such as AWS, Google Cloud or MS Azure
  • Experience of working with code repositories (e.g. Git, SVN), bug tracking tools (e.g. Jira, Bugzilla) and Wikis (e.g. Confluence)
  • Background and drug screen
Responsibilities
  • Partners with product management to craft product strategy, create product descriptions and ensure alignment to technology roadmaps.
  • Be a thought leader: a senior point of expertise on software engineering issues, industry trends and developing technologies. Be a role model to others on the team. Coach and mentor team members.
  • Takes ownership for creating technical product design and architecture.
  • Creates and conducts presentations for small-to-medium size groups.
  • Works closely with customers to understand their needs and create a partnership for making Early Warning products better.
  • Partners with software engineering, product, and architecture to shape engineering approaches, share knowledge and experience.
  • Develop, scope and shape a departmental-wide technical vision for the future.
  • Design / Engineer product / application service solutions in alignment with technology strategy roadmap (example, cloud, containerization, CI/CD and automated testing) keeping futuristic business growth, ease of maintenance, operational readiness and self-service enabled.
  • Collaborate and build relationships cross-functionally to influence and motivate others; serve as an internal catalyst for progressive, strategic and successful change management.
  • Support the company’s commitment to risk management and protecting 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 &Zabbix
  • Hands-on Experience in working with AWS
  • Experience with various Database design and architectures
  • Expertise in TerraForm and/or other cloud orchestration technologies
  • Experience with Monitoring & Alerting systems like AppDynamics
  • Experience with other computer languages like C#, Ruby, Python, and PHP (Java preferred)
  • Knowledge of ACH/EFT
  • Knowledge of real time payment networks(RTP, FedNow)
  • Experience with migrating application services from on-prem to Cloud
  • Cloud / Kubernetes certification

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

Simplify Jobs

Simplify's Take

What believers are saying

  • Paze expanded to Citi, Sephora, and 165 million cards in 2024.
  • Fiserv, Alacriti, Payfinia partnerships integrate Paze and Zelle.
  • Denise Leonhard joined as Zelle general manager recently.

What critics are saying

  • NY AG lawsuit filed August 13, 2025, demands restitution for $1B Zelle fraud.
  • CFPB suit dismissal in March 2025 leaves ongoing NY penalties.
  • Bank owners face pressure to divest Zelle post-lawsuits.

What makes Early Warning unique

  • Early Warning operates bank-owned data-sharing consortium for fraud prevention.
  • Paze wallet uses tokenization, avoiding card sharing with merchants.
  • Zelle enables real-time payments within collaborative banking network.

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Your Connections

People at Early Warning who can refer or advise you

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

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.

Cision
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

NYC Politics
Aug 14th, 2025
NY Attorney General Letitia James Targets Zelle's Parent Company Over Massive Fraud Losses

While EWS promoted Zelle as safe and reliable, the complaint contends the company failed to deliver on those promises.

Early Warning Services, LLC
Jul 9th, 2025
Payfinia brings Paze digital wallet to community financial institutions

PORTLAND, Ore., July 9 - Payfinia, an independent payment services firm providing an open payments framework, announced today its partnership with Early Warning Services to offer Paze[SM], an online checkout solution developed by Early Warning Services and offered by participating banks and credit unions.

Boland Hill Media, LLC
Dec 20th, 2024
The CFPB Sues Early Warning, BofA, Chase, And Wells Over Zelle Fraud

Zelle, which Early Warning launched in 2017 to compete with services such as PayPal Holdings Inc. and its Venmo network, has been the subject of controversy for several years over scams in which users allege they were gulled into transferring funds to fraudsters.