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Early Warning

Early Warning

Fraud prevention and identity verification platform

Senior Software Engineer - AWS

Full-TimeUpdated on 9/22/2026
$118k - $152k/yr

+ Discretionary incentive plan

Senior
Bachelor's
Scottsdale, AZ, USA
Hybrid

Hybrid work model applies.

No H1B Sponsorship

About the job

Requirements
  • Typically has 5 years of experience or a demonstrated portfolio consistent with the experience required for the role.
  • Bachelor’s degree in computer science, software engineering, information systems, a related field, or equivalent practical experience.
  • Experience designing, developing, testing, and supporting production software applications.
  • Hands-on experience developing or operating applications in Amazon Web Services.
  • Proficiency in at least one applicable programming language, such as Java, C#, C++, Python, or JavaScript.
  • Experience with Structured Query Language, relational database concepts, or other application-appropriate data-storage technologies.
  • Experience with source-code management, peer code reviews, automated testing, and software-development lifecycle practices.
  • Experience with application programming interfaces, web services, distributed systems, event-driven processing, or asynchronous application patterns.
  • Experience with Amazon Web Services infrastructure, deployment automation, or infrastructure-as-code practices.
  • Understanding of Amazon Web Services identity and access management, networking, logging, monitoring, data protection, and secure application configuration.
  • Experience troubleshooting applications across multiple technical layers and supporting issues in test or production environments.
  • Ability to prepare technical designs and documentation from business and technical requirements.
  • Ability to assess technical alternatives, communicate recommendations, and contribute to engineering decisions.
  • Ability to work collaboratively within an iterative Agile or Lean software-development environment.
  • Ability to mentor engineers and provide constructive technical feedback.
Responsibilities
  • Design, develop, document, test, deploy, and maintain new and existing software systems and applications.
  • Translate business, functional, and technical requirements into detailed software designs and technical specifications.
  • Serve as a technical resource on development projects and contribute to architecture, design, code-review, and implementation decisions.
  • Develop and maintain applications and services deployed within Amazon Web Services environments.
  • Design cloud solutions using appropriate Amazon Web Services compute, storage, database, networking, integration, and security capabilities.
  • Build and maintain infrastructure-as-code, deployment automation, and repeatable environment configuration processes.
  • Develop and support continuous integration and continuous delivery pipelines for application build, testing, deployment, and release activities.
  • Apply cloud security practices, including identity and access controls, encryption, secrets management, secure configuration, vulnerability remediation, and logging.
  • Implement application and cloud monitoring, alerting, tracing, and operational dashboards to support availability and performance.
  • Evaluate application performance, capacity, scalability, resilience, and cost; recommend and implement improvements.
  • Design applications for fault tolerance, recovery, and continuity within established technical and business requirements.
  • Analyze application code, cloud configurations, logs, metrics, and system behavior to identify the causes of errors or service degradation.
  • Troubleshoot complex issues across application, infrastructure, database, integration, and network layers.
  • Support user acceptance testing and production applications, including incident response, root-cause analysis, corrective actions, and follow-through.
  • Develop and maintain unit, functional, integration, regression, performance, and system tests.
  • Participate in software design meetings and collaborate with product, engineering, security, infrastructure, architecture, and business stakeholders.
  • Evaluate new technologies and Amazon Web Services capabilities for potential implementation based on business value, technical fit, security, reliability, and cost.
  • Contribute to estimates, delivery planning, technical documentation, support procedures, and operational readiness activities.
  • Mentor Software Engineers and provide guidance on software design, coding, testing, cloud engineering, troubleshooting, and development practices.
  • Support multiple initiatives while meeting established commitments and delivery deadlines.
  • Comply with all security policies and procedures to maintain the confidentiality, integrity, and availability of systems and data.
Desired Qualifications
  • Experience with Amazon Web Services services relevant to the assigned environment, including compute, containers, serverless technologies, object storage, managed databases, messaging, event processing, monitoring, and security services.
  • Experience with infrastructure-as-code tools such as AWS CloudFormation, AWS Cloud Development Kit, Terraform, or comparable technologies.
  • Experience with container technologies and orchestration platforms.
  • Experience building or maintaining automated continuous integration and continuous delivery pipelines.
  • Experience designing highly available, scalable, fault-tolerant, or disaster-recovery solutions in Amazon Web Services.
  • Experience with cloud cost monitoring, resource optimization, and capacity management.
  • Experience with observability tools, distributed tracing, centralized logging, and application-performance monitoring.
  • Experience with test-driven development, behavior-driven development, or automated functional-testing frameworks.
  • Experience applying secure coding practices and remediating application or cloud-security findings.
  • Amazon Web Services certification relevant to the role.
  • Experience with Unified Modeling Language, object-oriented analysis and design, service-oriented architecture, or domain-driven design.

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