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Citizens Financial Group

Runs consumer and commercial banking services

Principal Software Engineer

Full-TimeUpdated on 10/23/2026
No salary listed
Senior
Bachelor's
Rhode Island, USA+1 moreMore locations: Phoenix, AZ, USA
HybridRequires a 4-day hybrid schedule at a primary hub in Johnston, Rhode Island, or Phoenix, Arizona; remote work is not an option.
Software EngineeringAI Application Engineering, Full-Stack Engineering

About the job

Requirements
  • A bachelor's degree in Computer Science, Software Engineering, Engineering, Mathematics, or a related technical discipline is required.
  • At least 7 years of hands-on software development experience delivering and supporting commercial software applications is required.
  • Demonstrated experience leading, mentoring, and developing engineering talent is required.
  • Strong experience developing applications using Node.js and modern Node.js frameworks is required.
  • Hands-on experience with Java, Spring, and Spring Boot is required.
  • Experience with modern front-end frameworks such as Angular, React, or similar technologies is required.
  • A strong understanding of authentication and security protocols, including OAuth and SAML, is required.
  • Experience implementing security controls and protecting enterprise systems and data is required.
  • Experience building and supporting containerized applications using Docker, Kubernetes, and/or OpenShift is required.
  • Cloud platform experience with AWS, Microsoft Azure, and/or Google Cloud Platform is required.
  • Experience developing and deploying solutions that manage sensitive or regulated data is required.
  • Strong knowledge of Software Development Life Cycle processes is required.
  • Experience with CI/CD pipelines and DevOps tooling, including Jenkins, Harness, Git, Bitbucket, and Nexus, is required.
  • Experience with relational databases, including MySQL, PostgreSQL, and Oracle, is required.
  • Experience with NoSQL databases such as MongoDB is required.
  • A strong understanding of data structures and algorithms is required.
  • Experience utilizing code quality and code coverage tools is required.
  • Strong verbal, written, and interpersonal communication skills are required.
  • Hands-on experience using AI-assisted development tools such as GitHub Copilot or equivalent is required.
  • Familiarity with Large Language Models and AI application development concepts is required.
Responsibilities
  • Design and develop full-stack applications while ensuring alignment with enterprise architecture standards.
  • Participate in Agile software development practices and collaborate with cross-functional teams.
  • Design, modify, develop, and implement modern application components, tools, and services that support strategic business objectives.
  • Build scalable, maintainable, resilient, and highly available distributed systems.
  • Apply software security best practices throughout the Software Development Life Cycle.
  • Identify, prevent, and remediate security vulnerabilities to protect systems and sensitive data.
  • Serve as a technical leader and mentor, promoting innovation, accountability, and engineering excellence.
  • Contribute to architectural decisions and technology strategy.
  • Leverage AI-assisted development tools, such as GitHub Copilot and similar technologies, to improve engineering productivity and code quality.
  • Design and implement agentic workflows throughout the software development lifecycle.
  • Use AI technologies for code generation, code refactoring, code optimization, automated code review, quality analysis, intelligent test generation, and defect detection.
  • Develop and integrate AI-powered applications and services.
  • Build customer-facing solutions utilizing Large Language Models.
  • Implement AI-driven automation for engineering and operational processes.
  • Develop multi-agent workflows for orchestration and automated decision-making.
  • Apply advanced AI solution patterns, including Retrieval Augmented Generation, prompt engineering, context management, agent orchestration, and tool integration.
  • Ensure secure, compliant, and responsible use of AI technologies, particularly when handling regulated financial data.
  • Lead digital-first banking transformation initiatives.
  • Drive adoption of AI-powered and agentic software engineering practices.
  • Influence enterprise architecture and next-generation development methodologies.
  • Partner with engineering leaders to shape the future of software delivery and innovation.
Desired Qualifications
  • Experience developing applications with Go and/or Python.
  • Experience working with streaming and event-driven platforms, including Kafka, Amazon Kinesis, Amazon SQS, and Apache Storm.
  • At least 3 years of experience within financial services, consumer banking, wealth management, or trading environments.
  • Understanding of banking systems, operations, and financial services processes.
  • Experience with Domain-Driven Design.
  • Experience implementing Command Query Responsibility Segregation.
  • Cloud certifications such as AWS Certified Solutions Architect, AWS Certified Developer, or equivalent Azure or GCP certifications.

About the company

C

Citizens Financial Group

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Website

Citizens Financial Group runs consumer and commercial banking businesses for households, small firms and larger companies, alongside wealth management. Through Citizens Bank, it accepts deposits, processes payments and lends for homes, education and business needs through branches and digital channels. Its commercial teams manage corporate cash flows, arrange financing and advise on mergers and acquisitions, while its private bank serves wealthy families and business owners. The group earns interest on loans and securities, pays interest on deposits and charges fees for financial services and advice. Its banking roots date to 1828, and it is headquartered in Providence, Rhode Island.

Company Size

10,001+

Company Stage

IPO

Headquarters

Providence, Rhode Island

Founded

1828

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Simplify's Take

What believers are saying

  • Profits support stability: July 2026 reporting showed Citizens earned $587 million in the second quarter, up 35% yearly.
  • Wealth services broaden: Citizens added an insurance advisory team for business owners and families in May 2026.
  • Employees build retirement savings: Citizens adds 1.75% of eligible earnings annually plus matching contributions after one year.

What critics are saying

  • Borrower defaults still cost money: July 2026 reporting showed Citizens wrote off $135 million net in the second quarter.
  • Rate changes affect earnings: Citizens' floating-rate loans reprice faster than its core deposits, according to its 2025 filing.
  • Part-time health coverage has limits: Citizens requires scheduled work above 20 hours weekly for plan eligibility.

What makes Citizens Financial Group unique

  • Citizens gathers deposits beyond branches: its Citizens Access division runs entirely online.
  • Citizens finances Apple purchases directly: Citizens Pay is the lender named in Apple's credit agreement.
  • Citizens targets private equity buyers: its 2025 review reports fourth place in sponsor-backed middle-market M&A deal volume.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Parental Leave
  • Flexible Work Hours
  • Tuition Reimbursement
  • Wellness Program
  • Paid Vacation
  • Paid Sick Leave

Company News

Yahoo Finance
Oct 21st, 2026
Citizens Financial raises dividend 13% and adds $1.3B to buyback as Q3 profit jumps 29%

Citizens Financial Group raised its quarterly dividend 13%, from $0.52 to... Correction, final copy: Citizens Financial Group raised its quarterly dividend 13%, from $0.46 to $0.52 per share, lifting the annualised payout from $1.84 to $2.08. The Providence, Rhode Island, lender announced the increase on October 16 alongside third-quarter results. Net income rose 29% year-over-year to $636 million. Revenue climbed almost 10% to $2.32 billion, narrowly missing the $2.33 billion consensus estimate, while earnings per share of $1.41 beat the $1.39 forecast. The bank also added $1.3 billion to its share-repurchase capacity, bringing the total to $1.95 billion. Shares closed at $64.22 on October 20, up 10% this year. Analysts' average price target of $77.07 implies 20% upside.

Yahoo Finance
Oct 16th, 2026
Citizens Financial Q3 net income jumps 29% to $636M, dividend up 13%, $1.95B buyback

Citizens Financial Group reported third quarter 2026 net income of $636 million, up 29% from a year earlier. Earnings per share rose 34% year on year and 8% from the previous quarter, to $1.41. Return on tangible common equity was 15.1%. Operating leverage was a positive 5.3% year on year. The board raised the quarterly dividend by $0.06, or 13%, to $0.52 per share, payable on November 13, 2026. It also increased its share repurchase capacity to $1.95 billion, $1.3 billion above the $650 million remaining under the prior authorisation. Chairman and chief executive officer Bruce Van Saun said he is confident in the outlook for the fourth quarter and for 2027.

Inc.
Oct 8th, 2026
Stord Secures $400 Million And Wants to Be Bigger Than Amazon

Stord is about to cross $1 billion in revenue. The buzzy logistics star is just getting started.

Yahoo Finance
Sep 14th, 2026
Citizens Bank sues SoFi over poaching 30 mortgage staff who generated $5M in revenue

Citizens Bank has sued SoFi, alleging the digital lender poached 30 mortgage employees since 2024, affecting operations across nine states. The lawsuit centres on two employee groups, particularly nine Connecticut-based staff who resigned in June within minutes of each other. Citizens claims SoFi "strategically orchestrated" the departures, which represented $400 million in closed loans and $5 million in revenue the previous year. The bank alleges employees transferred confidential client data before leaving. The Connecticut departures eliminated 70% of the branch's mortgage producers and 80% of mortgages, essentially wiping out Citizens' market presence there. Three additional Connecticut employees have since joined SoFi. A SoFi spokesperson called the lawsuit "a baseless allegation and a clever attempt to prevent Citizens employees from pursuing career opportunities elsewhere.

Morningstar
Aug 26th, 2026
NewPower Worldwide expands credit facility to $750M to support global growth

NewPower Worldwide, an electronics distributor, has expanded its committed credit facility to $750 million. The increased capacity will enable the company to invest in inventory, support customer growth, and capitalise on global supply chain opportunities. Since its founding in 2014, NewPower has grown to 14 offices across the Americas, EMEA, and APAC, with $5 billion in annual sales and more than $1 billion in inventory worldwide. The facility expansion strengthens the company's ability to purchase strategically and support large-scale customer requirements. Chief executive officer Carleton Dufoe said the expanded facility provides additional capacity to secure inventory and respond faster to market opportunities. Citizens led the increased credit facility to support NewPower's growth objectives. The New Hampshire-based company distributes electronic components and finished goods to OEMs, EMS providers, and supply chain partners worldwide.