Full-Time
IT Software Engineer Principal
Posted on 10/31/2025
Pathward
501-1,000 employees
Banking as a Service and payments
Compensation Overview
$103.5k - $191.2k/yr
Louisville, KY, USA + 5 more
More locations: Easton, PA, USA | Sioux Falls, SD, USA | Franklin, TN, USA | Troy, MI, USA | Scottsdale, AZ, USA
Hybrid
 Software Engineering (1) |
|---|
- Bachelor's degree or equivalent education and work experience.
- Typically requires a minimum of 8 years of related experience with a bachelor’s or equivalent.
- 5+ years of banking or financial services and products domain experience. Comparable domain experience will also be considered.
- Experience with the following technologies is expected, but not all are required: General knowledge of .NET, C#, ASP.NET, MVC, Classic ASP, VB Script, Entity Framework, WPF, JavaScript, IIS, HTML, CSS, XML/XSLT, MSMQ, and NServiceBus.
- Knowledge of object-relational mapping (ORM).
- Proficient with creating AWS services (e.g., EC2, S3, Lambda).
- Prior experience transitioning from traditional on-premises solutions to AWS.
- Expert in scripting languages like Python, Bash, or Perl.
- Strong Understanding of Python frameworks (FastAPI, Django, Flask).
- Experience in implementation of a new modern core banking system and large migration of the existing core is a plus.
- Uses current programming language and technologies.
- Writes code and completes programming.
- Performs testing and debugging of applications.
- Completes documentation of procedures for installation and maintenance.
- Interacts with users to define system requirements and/or to add necessary modifications.
- Other duties as assigned.
- Master's degree preferred.
- 8+ years professional software design and development experience preferred.
- Experience with Visual Studio, Azure DevOps, Git, or other source control tools preferred.
- The responsibilities listed above are not all inclusive and may be changed at any time.
Pathward provides financial services like payment processing, credit solutions, and commercial finance to individuals and small businesses. The company operates by offering a Banking as a Service (BaaS) platform that allows partners to integrate banking features, issue cards, and provide loans or equipment financing. Unlike many competitors, Pathward focuses specifically on financial inclusion for underserved populations and maintains a diverse range of services—from tax solutions to insurance premium finance—to remain stable during economic shifts. Its goal is to provide a clear path to financial stability and growth for clients who may lack access to traditional banking.
Company Size
501-1,000
Company Stage
IPO
Headquarters
Sioux Falls, South Dakota
Founded
1954
Simplify's Take
What believers are saying
- Tax services seasonality peaks Q2, supporting $8.55–$9.05 full-year 2026 EPS guidance.
- Renewable energy project finance expands with $144M Gum Swamp Solar and 4 13 Solutions deals.
- Financial inclusion partnerships with Phoenix Suns and Braven strengthen brand and customer acquisition.
What critics are saying
- CFPB BaaS rulemaking Q3 2026 imposes sponsor bank liability, triggering $50M+ fines.
- Unit and Treasury Prime poach fintech clients with superior API uptime, eroding Partner Solutions revenue.
- Commercial real estate defaults spike 15%, forcing $300M reserve doubling and income erosion.
What makes Pathward unique
- Operates 48,000 tax offices, nearly double five-year growth, driving 55% noninterest income.
- Sponsored banking model uniquely positions Pathward with fintech partners on issuing and payments.
- Commercial finance loans grew $531M to $5B, specializing in asset-based lending for SMBs.
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Benefits
Health Insurance
401(k) Retirement Plan
401(k) Company Match
Life Insurance
Disability Insurance
Paid Time Off
Hybrid Work Options
Company News
Pathward recognized for Digital Banking innovation in 10th annual FinTech Breakthrough Awards program. Apr 7, 2026 8:07am EDT Prestigious annual awards program celebrates a decade of recognizing the world's most innovative financial technology ("fintech") companies SIOUX FALLS, S.D.-(BUSINESS WIRE)- Pathward Financial, Inc. (Nasdaq: CASH) through its subsidiary, Pathward(R), N.A. ("Pathward" or "The Company") announced that it has been selected as "Banking-as-a-Service Platform of the Year" in the 10th annual FinTech Breakthrough Awards program. FinTech Breakthrough is an independent market intelligence organization that recognizes the top companies, technologies and products in the global fintech market today. Pathward has been selected as "Banking-as-a-Service Platform of the Year" in the 10th annual FinTech Breakthrough Awards program. Pathward, a nationally chartered bank, is expanding financial access and opportunity through its endeavor to be the trusted platform that enables its partners to thrive and deliver banking products that meet customer demands. With sponsorship capabilities ranging from prepaid cards and deposit accounts to money movement, merchant acquiring, and credit solutions, Pathward empowers partners to deliver programs that shape the future landscape of payments. "At Pathward, we offer decades of payments experience with a deep bench of talent, operational excellence, a broad suite of product offerings, and a commitment to serving fintechs to support their unique business models - all of which pave the way for our partners' success," said Pathward Chief Customer Officer, Will Sowell. "Thank you to FinTech Breakthrough for this acknowledgment. Over the course of the past year, we have continued to leverage our experience in partnership banking to help partners in payments, issuing, acquiring, money movement and credit solutions." As a leading sponsor bank in the payments ecosystem, Pathward enables fintech partners to launch, operate and scale with confidence. The Company provides secure, reliable access to core banking infrastructure and a strong compliance foundation, allowing partners such as Clair and BluePenguin to focus on innovation while operating on a resilient platform. Pathward's broad and flexible capabilities support a wide range of fintech business models, helping partners grow sustainably and responsibly at scale. "Market gaps exist that disproportionately affect individuals and small-midsized businesses. Finding and then offering the right fintech can help them to address their complex financial needs for broad market impact," said Steve Johansson, Managing Director, FinTech Breakthrough. "With a BaaS platform that includes people, processes and technology with a regulatory overlay, Pathward delivers true partnership through the co-creation of solutions to deliver on their partners' innovations. We're pleased to name Pathward 'BaaS Platform of the Year!'" The FinTech Breakthrough Awards is a premier awards program founded to recognize fintech innovators, leaders and visionaries from around the world in a wide range of categories, including Digital Banking, Personal Finance, Cryptocurrencies, Lending, Payments, Investments, RegTech, InsurTech and more. The 2026 program represents a milestone year, reflecting a decade of spotlighting the companies driving measurable innovation across the global fintech ecosystem. Read Fintech Breakthrough's news release announcing this year's winners. Visit Pathward.com to learn more about how Pathward's forward-thinking banking expertise empowers high growth payment innovators. About Pathward Financial, Inc. Pathward Financial, Inc. (Nasdaq: CASH) is a U.S.-based financial holding company driven by its purpose to power financial inclusion. Through our subsidiary, Pathward(R), N.A., we strive to increase financial availability, choice and opportunity across our Partner Solutions and Commercial Finance business lines. These strategic business lines provide support to individuals and businesses. Learn more at PathwardFinancial.com. About FinTech Breakthrough Part of Tech Breakthrough, a leading market intelligence and recognition platform for technology innovation and leadership around the globe, the FinTech Breakthrough Awards program is devoted to honoring breakthrough innovation in Financial Technologies and Services companies and products. The FinTech Breakthrough Awards provide public recognition for the standout achievements of FinTech companies and products in categories that include Payments, Personal Finance, Cryptocurrency, Wealth Management, Fraud Protection, Banking, Lending, RegTech, InsurTech and more. For more information visit FinTechBreakthrough.com. Tech Breakthrough LLC does not endorse any vendor, product or service depicted in our recognition programs, and does not advise technology users to select only those vendors with award designations. Tech Breakthrough LLC recognition consists of the opinions of the Tech Breakthrough LLC organization and should not be construed as statements of fact. Tech Breakthrough LLC disclaims all warranties, expressed or implied, with respect to this recognition program, including any warranties of merchantability or fitness for a particular purpose. Investor Relations contact: Darby Schoenfeld, CPA SVP, Chief of Staff & Investor Relations 877.497.7497 [email protected]
Pathward awards grant to EmBe to support programs that uplift families. National bank headquartered in Sioux Falls gives back to community through local nonprofit. Pathward, a national bank focused on financial access, has awarded a grant in the amount of $30,000 to its long-time community partner, EmBe, a South Dakota nonprofit dedicated to empowering families through education and opportunity. SIOUX FALLS, S.D.-(BUSINESS WIRE)-Pathward(R), N.A. ("Pathward"), a national bank focused on financial access, has awarded a grant in the amount of $30,000 to its long-time community partner, EmBe, a South Dakota nonprofit dedicated to empowering families through education and opportunity. The charitable investment expands Pathward's support of two programs: Making Cent$ Financial Literacy and Dress for Success Career Readiness. In addition to funding, Pathward has increased employee volunteer engagement and donated 20 laptops to enhance program delivery, including support for hybrid and virtual learning opportunities. Through Making Cent$, Pathward will now support two program cohorts annually, doubling its previous commitment. The program delivers hands-on financial education that covers budgeting, credit, debt management and long-term planning, helping participants build practical skills for financial stability. The Dress for Success Career Readiness program provides personalized career coaching, resume and interview preparation, and professional styling support to help individuals successfully enter or re-enter the workforce. In addition, Pathward employees will participate in quarterly volunteer events and mentorship opportunities through the program. Together, these initiatives advance Pathward's broader community impact goals of promoting financial inclusion, supporting workforce development, and strengthening local nonprofit partnerships. By investing in these programs, Pathward and EmBe are helping people across South Dakota build pathways to economic mobility and long-term success. "We are pleased to award EmBe with a grant this year. Through funding, volunteerism and other contributions to organizations like EmBe, Pathward aims to support programs that create opportunities for individuals to achieve financial stability and economic mobility," said Pathward Senior Vice President of Communications, Sustainability and Public Policy, Catherine McGlown. "Pathward's award-winning Community Impact Program is focused on advancing financial inclusion and expanding access to opportunity," said Pathward Vice President, Financial Access Center of Excellence, Natonya Harbison. "Financial literacy is a critical component of our program, and we're proud to support EmBe in delivering this important programming to the Sioux Falls community." "We appreciate Pathward's continued support of our mission. This year's funding and laptop donations will strengthen our Making Cent$ Financial Literacy and Dress for Success Career Readiness programs, equipping participants with the tools, confidence and resources needed to achieve financial stability and career success," said EmBe Chief Executive Officer, Kerri Tietgen. Since 2016, Pathward has expanded its support of EmBe through volunteer efforts, program sponsorships and laptop donations, awarding funding for programmatic and operational funding. About Pathward(R) Pathward(R), N.A., a national bank, is a subsidiary of Pathward Financial, Inc. (Nasdaq: CASH). Pathward is focused on financial access and strives to increase financial availability, choice and opportunity across our Partner Solutions and Commercial Finance business lines. The strategic business lines provide support to individuals and businesses. Learn more at Pathward.com. More News From Pathward SIOUX FALLS, S.D.-( BUSINESS WIRE )-The American Fintech Council announced the addition of Pathward, represented by President Anthony Sharett, to its board of directors... ATLANTA-( BUSINESS WIRE )-Pathward joined Braven to co-host the Braven Winners' Trek for Spelman College students who completed the Braven Capstone Challenge... SIOUX FALLS, S.D.-( BUSINESS WIRE )-Pathward has been named one of Monitor's 2026 Best Companies in the Community Impact category... Pathward. NASDAQ:CASH Headquarters: Sioux Falls, South Dakota CEO: Brett Pharr Employees: 1100 Organization: PUB Release Summary Pathward, a national bank focused on financial access, has awarded a grant in the amount of $30,000 to its long-time community partner, EmBe. Release Versions
Pathward earns national recognition for Community Impact. 2026-03-03 21:07 Last Updated At:21:31 SIOUX FALLS, S.D.-(BUSINESS WIRE)-Mar 3, 2026- Pathward(R), N.A. ("Pathward" or "bank") announced it has been named one of Monitor's2026 Best Companiesin Equipment Finance in the Community Impact category. Monitor, a national equipment finance trade publication, recognizes best companies in the equipment finance ecosystem in its latest issue, where it highlights Pathward's commitment to employee-driven volunteerism, charitable giving and initiatives that expand financial access and strengthen communities nationwide. "Our approach to community engagement is guided by our commitment to powering financial inclusion and expanding financial access," said Pathward's Senior Vice President of Communications, Sustainability and Public Policy Catherine McGlown. "This recognition speaks volumes about our culture of serving the underserved. I want to congratulate and recognize every member of our team for using our collective talents to better the communities where we live and work." Pathward employees volunteered nearly 5,000 hours and supported more than 180 organizations across the country in fiscal year 2025. This emphasis on community involvement also helped Pathward earn Great Place To Work Certification(TM) for the third consecutive year in 2025, with 92% of employees responding to the survey reporting that they feel good about the way the organization contributes to the community. In addition to encouraging volunteerism, Pathward actively donates to and supports charitable organizations near its Sioux Falls headquarters, including St. Francis House, McCrossan Boys Ranch, EmBe and the Veterans Community Project. Through employee-driven programs such as Matching Gifts and Dollars for Doers, Pathward team members have also supported nonprofits nationwide, such as the Boys & Girls Clubs of Kentuckiana, Habitat for Humanity of Oakland County, the Arizona Community Foundation, and the Furniture Bank of Metro Atlanta, among others. Pathward's total donations to these organizations in fiscal year 2025 exceeded $1.2 million. Monitor's recognition underscores Pathward's ongoing commitment to creating positive, sustainable change while fostering a workplace culture that values service, inclusion and purpose. Read Pathward's feature in the January/February 2026 issue of Monitor at https://www.monitordaily.com/profile/pathward/. About Pathward(R) Pathward(R), N.A., a national bank, is a subsidiary of Pathward Financial, Inc. (Nasdaq: CASH). Pathward is focused on financial access and strives to increase financial availability, choice and opportunity across our Partner Solutions and Commercial Finance business lines. The strategic business lines provide support to individuals and businesses. Learn more at Pathward.com. LONDON (AP) - Britain's Treasury chief Rachel Reeves sought Tuesday to present a rosy picture of the state of the U.K. economy even as oil and gas prices soared in the wake of the fast-evolving Iran war that has cast a pall over the global economic outlook. Unveiling the latest U.K. economic forecasts compiled by the independent Office for Budget Responsibility, Reeves insisted the plan she has been driving forward since the Labour Party returned to power in the 2024 election is bearing fruit. Though economic growth this year is expected to be slightly lower than predicted at the time of last November's budget at 1.1%, it's set to be higher than anticipated in both 2027 and 2028 at 1.6%. Inflation and borrowing are expected to fall more quickly than previously thought, she added. "The forecasts today confirm that the choices this government has made are the right ones," she said. Reeves had hoped her statement to the House of Commons would be a relatively low-key affair, but economists are warning that the Iran war could upend the forecasts, depressing growth, stoking inflation and increasing debt. Perhaps most significantly, the price of Brent international oil standard has spiked by more than 15% this week to over $80 a barrel, while global gas prices, which the U.K. is particularly reliant on, have nearly doubled. If sustained, both would certainly lead to higher energy bills for businesses and households, fuelling inflation and keeping a lid on growth. Reeves started off her speech by acknowledging that the world has become "yet more uncertain" in the past few days following the decision of the United States and Israel to launch strikes against Iran, which saw the death of Supreme Leader Ayatollah Ali Khamenei as well as other members of Iran's leadership. "It is incumbent on me and on this government to chart a course through that uncertainty, to secure our economy against shocks, and protect families from the turbulence that we see beyond our borders," she said. Britain's Labour government, which has lost significant support since it won the general election in 2024, has been hoping that 2026 would be the year that it was clear the British economy was on a sounder footing than it has been for years. Some recent economic indicators have pointed to a pickup in growth in the early part of 2026. Inflation is also set to fall sharply in the coming months, prompting the Bank of England to cut interest rates further. Last month, the bank kept its main rate unchanged at 3.75%.
MGV Finance has advised on a $17.2 million structured finance transaction between Pathward and 4 13 Solutions, an energy solutions platform co-founded by NFL Hall of Famer Emmitt Smith and CEO David Mosley. The Charlottesville-based advisory firm provided structured finance advisory, risk assessment and due diligence support throughout the deal. The financing proceeds will exclusively support 4 13's solar project development, whilst the company uses existing resources for its wind and gas portfolio expansion. MGV, led by managing partner Varun Yerramsetti, worked with 4 13's leadership team to structure the transaction aligned with development objectives. Tom Fink served as Pathward's lead banker, with legal counsel provided by Brodnan & Budd for Pathward and Holland & Knight's Kate Pennartz for 4 13 Solutions.
Pathward reported first quarter 2026 earnings with net income of $35.2 million and earnings per diluted share of $1.57, up 17% and 28% respectively year-over-year. Return on average assets reached 1.87% and return on average tangible equity hit 26.7%. The bank's commercial finance loans grew by $531 million to $5 billion total loans and leases. Deposits totalled $6.4 billion at quarter end. The company originated $1.9 billion in loans during the quarter, including $1.2 billion in consumer finance. CEO Brett Pharr highlighted Pathward's specialisation in sponsored banking, working with partners on issuing, merchant acquiring and digital payments. The company announced an evolved operating model to better align with partners. Pathward raised full-year fiscal 2026 earnings guidance to $8.55–$9.05 per share and repurchased 652,000 shares during the quarter.