- *Senior Software Engineer**
- Engineering • Bangalore, India (Hybrid) • Full\-Time*
- Mission\-Critical Core Banking Platform • Cloud\-Native • Low\-Latency Transaction Processing*
ACI Worldwide is seeking a Senior Software Engineer to join the team building and operating a mission\-critical, low\-latency core banking platform. Our product is architected cloud\-natively and containerized from the ground up, deployed initially on Microsoft Azure / AKS with a clear roadmap to Red Hat OpenShift, AWS, and Google Cloud Infrastructure (GCI). Every design decision — from threading models to deployment topology — is made with high throughput, sub\-millisecond latency, and five\-nines availability in mind.
This is a full\-stack engineering role in the deepest sense: you will design and build features end to end, own the reliability and performance of what you ship, actively contribute to the CI/CD pipeline and quality strategy, and provide L3 production support when the platform counts on it. We are also on an active modernization journey, migrating mission\-critical COBOL logic to modern Java services, and your ability to read, understand, and translate legacy COBOL will be highly valued.
We are looking for self\-motivated, driven engineers who take pride in craftsmanship, embrace AI as an accelerator across the full development lifecycle, and are genuinely excited to grow their careers at ACI Worldwide.
- *Location \& Work Model**
- *Location:** Bangalore , India
- *Work Model:** Hybrid — on\-site on designated days; remote\-eligible on other days per team and business needs
- *1\) Low\-Latency Application Engineering**
- Design, implement, and optimize high\-performance Java services for real\-time transaction processing: payments, authorization, clearing, and settlement workflows where latency and correctness are non\-negotiable.
- Apply deep JVM knowledge — threading models, garbage collection tuning, lock\-free data structures, and async I/O — to sustain predictable throughput under peak load.
- Define and enforce performance budgets: author benchmarks, regression tests, and latency SLOs; profile and root\-cause regressions before they reach production.
- Build against modern cloud\-native patterns: microservices, event\-driven messaging (NATS), reactive pipelines, and 12\-factor application design.
- *2\) Cloud\-Native \& Container\-First Development**
- Write software that is container\-native from day one: images must be lean, stateless where possible, and fully operable on Kubernetes (AKS, OpenShift, EKS, GKE).
- Collaborate with the DevOps/Platform team on Kubernetes manifests, Helm/Carvel packaging, resource requests/limits, health probes, and rolling deployment strategies.
- Understand and contribute to GitOps workflows; ensure application configuration is version\-controlled, auditable, and environment\-agnostic.
- Design for multi\-cloud portability from the start: avoid cloud\-vendor lock\-in in application code and dependency choices.
- *3\) AI\-Augmented Development Lifecycle**
- Leverage AI tools actively across the SDLC: AI\-assisted code generation and review, test case synthesis, documentation drafting, defect analysis, and performance diagnostics.
- Apply responsible AI practices: validate all AI\-generated output for correctness, security, and maintainability before merging; never place secrets, PII, or PCI data into AI prompts.
- Contribute to team\-level AI adoption: share effective patterns, prompt strategies, and tooling discoveries that raise the velocity and quality bar for the whole team.
- Stay current with AI/ML advancements relevant to banking — intelligent anomaly detection, automated triage, fraud signal enrichment — and propose production\-ready applications.
- *4\) Quality Engineering \& Test Automation**
- Own quality for what you ship: write comprehensive unit, integration, and contract tests; enforce non\-negotiable coverage thresholds and quality gates in CI.
- Author and maintain end\-to\-end test scenarios for transaction processing flows; partner with Quality Engineering to integrate Testkube\-orchestrated test suites into the pipeline.
- Practice shift\-left quality: treat a bug escaping to staging as a process failure, not an expected outcome.
- Participate in code reviews with a quality lens: correctness, edge cases, error handling, observability hooks, and long\-term maintainability.
- *5\) Security \& Compliance**
- Write secure\-by\-design code in regulated financial environments: input validation, output encoding, least\-privilege service identities, and safe secret consumption via ESO/vault integrations.
- Ensure compliance controls are built into the code — not bolted on afterward: PCI\-DSS, SOC2, and audit logging requirements are first\-class acceptance criteria.
- Participate in threat modeling sessions, security code reviews, and SAST/DAST remediation cycles; treat security findings with the same urgency as production incidents.
- *6\) DevOps Collaboration \& Engineering Excellence**
- Engage actively with the DevOps/Platform team: contribute to pipeline definitions, own your service’s observability (structured logs, metrics, distributed traces), and participate in on\-call rotations.
- Write and maintain runbooks, deployment guides, and architecture decision records (ADRs); documentation is a deliverable, not an afterthought.
- Champion engineering best practices: clean code, SOLID principles, API contract discipline, backward compatibility, and disciplined release management.
- *7\) COBOL Modernization Support**
- Read and interpret existing COBOL programs to extract business logic, data flow, and processing rules that must be faithfully reimplemented in modern Java services.
- Collaborate with domain experts and architects to validate that modernized Java implementations are behaviorally equivalent to legacy COBOL counterparts under all documented business scenarios.
- Document COBOL\-to\-Java translation decisions, edge cases, and business rule interpretations to build institutional knowledge for the long\-term migration program.
- *8\) L3 Production Support**
- Serve as the third line of escalation for production issues on services you own: diagnose complex failures using logs, metrics, traces, and thread/heap dumps.
- Deliver timely, accurate root\-cause analyses and post\-incident reviews; implement durable fixes and preventive controls to eliminate recurrence.
- Maintain a “you build it, you run it” mindset: production reliability is a shared engineering accountability, not a handoff.
- *Required Qualifications**
- **8\+ years** of professional software engineering experience; substantial time building production systems that handle high\-volume, low\-latency workloads.
- **Java** — expert\-level proficiency: JVM internals, concurrency, performance tuning, Spring Boot / Spring ecosystem, and modern Java (17\+) features.
- **Low\-latency systems** — demonstrated experience designing and optimizing transaction processing, payments, or equivalent high\-throughput distributed systems.
- **Microservices \& APIs** — RESTful and event\-driven service design; experience with API versioning, backward compatibility, and contract testing.
- **Containers \& Kubernetes** — hands\-on experience containerizing Java applications and running them on Kubernetes (AKS, EKS, GKE, or OpenShift).
- **Cloud platforms** — Azure (primary); working familiarity with AWS or GCI a strong plus.
- **CI/CD \& DevOps** — experience with Jenkins, Gradle, container image builds, and automated quality gates; comfortable contributing to pipeline definitions.
- **Test automation** — strong unit, integration, and e2e testing discipline; experience with JUnit 5, Mockito, Testcontainers, or equivalent.
- **Security** — secure coding practices in regulated environments; familiarity with OWASP Top 10, input validation, and secrets management.
- **Observability** — structured logging, metrics (Micrometer/Prometheus), and distributed tracing (OpenTelemetry or equivalent).
- *Preferred Qualifications**
- **Banking or payments domain experience** : core banking, payment processing, ACH, SWIFT, card authorization, or clearing \& settlement. Understanding of 8583 , 20022 specs and implementations based on it
- **Drools / rule engine experience** : authoring and maintaining business rules in Drools (KIE) or a comparable BRMS; ideally applied to transaction routing, risk, or eligibility logic.
- **NATS messaging** : operational experience building event\-driven services on NATS or equivalent (Kafka, Pulsar, RabbitMQ).
- **Multi\-cloud portability** : experience deploying identical workloads across two or more of Azure, OpenShift, AWS, and GCI.
- **COBOL literacy** — ability to read and interpret COBOL programs sufficiently to extract and translate business logic into Java.
- **Carvel toolchain** : familiarity with ytt, kapp\-controller, or imgpkg for Kubernetes\-native packaging and GitOps.
- **Regulated environment experience** : PCI\-DSS, SOC2, GDPR, or equivalent compliance frameworks embedded in engineering practices.
- **AI/ML feature delivery** : experience shipping AI or ML capabilities as part of a production product (anomaly detection, intelligent routing, fraud signals, etc.).
- **Technical mentorship** : demonstrated experience upleveling junior engineers through code review, pair programming, or structured coaching.
- Technically challenging work on a platform that processes mission\-critical banking transactions for global financial institutions.
- A cloud\-native, automation\-first engineering culture that invests in quality, security, and developer experience as competitive advantages.
- Real career growth: ACI actively develops engineers into senior technical leaders and engineering managers; your trajectory here is yours to define.
- An AI\-forward team that embraces modern tooling and gives engineers the latitude to experiment, improve, and lead.
- Competitive compensation and benefits package; hybrid flexibility
\#LI\-AP
- ACI Worldwide is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability, or veteran status.*
ACI Worldwide is a global leader in mission\-critical, real\-time payments software . Our proven, secure and scalable software solutions enable leading corporations, fintechs and financial disruptors to process and manage digital payments , power omni\-commerce payments , present and process bill payments , and manage fraud and risk . We combine our global footprint with a local presence to drive the real\-time digital transformation of payments and commerce.