Sr. Software Engineer - Mobile Payments Applications

About this role

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description U.S. Bank is seeking a Senior Software Engineer to join our Payments Technology team as Mobile Development Subject Matter Expert who will work on payments applications.

This position will be responsible for the analysis, design, testing, development and maintenance of   best in class   software experiences. The candidate is a self-motivated individual who can collaborate with a team and across the organization. The candidate takes responsibility of the software artifacts produced adhering to U.S. Bank standards   in order to   ensure minimal impact to the customer experience. The candidate will be adept with the agile software development lifecycle and DevOps principles.  

Essential Responsibilities:  

•   Design, develop, test, and maintain enterprise-grade Android applications using Kotlin, Jetpack Compose, and modern Android development frameworks.  

•   Build secure, scalable, and high-performing Android solutions that integrate with backend services, APIs, SDKs, and enterprise platforms.  

•   Implement and support authentication, authorization, and identity management capabilities including MFA, biometrics (fingerprint, face unlock), OAuth 2.0, OpenID Connect, device registration, and trust services.  

•   Collaborate with Product, UX, Security, Architecture, and Backend Engineering teams to translate business requirements into technical solutions.  

•   Develop and maintain reusable Android SDKs, shared libraries, and platform components to improve consistency, scalability, and developer productivity.  

•   Ensure compliance with Android security best practices, including OWASP Mobile Top 10, encryption, certificate pinning, secure storage, and secure coding standards.  

•   Participate in code reviews, technical design discussions, Agile ceremonies, and CI/CD-driven release processes to deliver high-quality software.  

•   Troubleshoot complex production issues, perform root cause analysis, support vulnerability remediation efforts, and provide on-call support for critical applications.  

Basic Qualifications  

- Bachelor’s degree, or equivalent work experience  

- Five to six years of relevant Android development experience  

Preferred Skills/Experience  

•   Strong experience developing native Android applications using Kotlin, Java, Jetpack Compose, Android SDK, and Android Studio.  

•  Hands-on experience building and supporting enterprise Android applications deployed through the Google Play Store and enterprise MDM distribution.  

•   Experience with Android Architecture Components ( ViewModel ,   LiveData , Room, Navigation,   WorkManager ) and modern app architecture patterns (MVVM, MVI, Clean Architecture).  

•   Expertise in RESTful APIs, JSON, mobile-to-backend integrations, and backend-driven application architectures.  

•   Experience implementing Android security solutions, including MFA, biometrics, OAuth 2.0/OpenID Connect, token activation, device registration, encryption, and secure storage.  

•   Knowledge of Identity and Access Management (IAM) platforms such as Transmit Security, Okta, Ping Identity, ForgeRock, or similar technologies.  

•   Experience with dependency injection frameworks (Hilt, Dagger), coroutines, Flow, and reactive programming patterns.  

•   Experience supporting penetration testing remediation, vulnerability management, security compliance initiatives, and secure software delivery practices.  

•   Proficiency with Git, GitLab, CI/CD pipelines, Gradle build system, automated testing (Espresso, JUnit, Mockito), release management, and Agile/Scrum development methodologies.  

•   Experience supporting high-scale production applications in Banking, Financial Services, Payments, or FinTech environments; exposure to Kotlin Multiplatform (KMP) and Android tablet development is a plus.  

Preferred Skills/Experience  

•   5+ years of experience in Android application development.  

•   Strong proficiency in:   

o   Kotlin, Java, Jetpack Compose, Android SDK, Android Studio  

o   Android Architecture Components ( ViewModel ,   LiveData , Room, Navigation,   WorkManager )  

o   Coroutines, Flow, and reactive programming  

•   Experience building and maintaining enterprise Android applications published to the Google Play Store and enterprise MDM distribution channels.  

•   Experience building backend-driven Android applications and SDK-based integrations.  

•   Expertise in RESTful APIs, JSON, and mobile-to-backend communication patterns.  

•   Experience implementing authentication and security solutions including:   

o   Multi-Factor Authentication (MFA)  

o   Biometrics (Fingerprint, Face Unlock via   BiometricPrompt   API)  

o   OAuth 2.0 / OpenID Connect  

o   Mobile Token Registration and Activation  

o   Device Registration and Trust  

•   Experience with Identity and Access Management integrations such as Transmit Security, Okta, Ping Identity, ForgeRock, or similar platforms.  

•   Strong understanding of mobile application security best practices including OWASP Mobile Top 10, secure storage, certificate pinning, encryption, and secure coding standards.  

•   Experience supporting penetration testing remediation, vulnerability management, and security compliance initiatives.  

•   Experience developing and consuming Android SDKs, shared libraries, and reusable platform components.  

•   Experience with Gradle build system, build variant

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