Senior Developer – Emerging Payments, Zelle, ACH, TCH, Wire

BMO U.S.

Senior Developer building middleware and back-end systems for payment platforms at BMO. Responsible for designing, developing, and maintaining payment solutions in a financial environment.

Posted 5/15/2026full-timeTempe • Arizona, Illinois • 🇺🇸 United StatesSenior💰 $81,400 - $151,800 per yearWebsite

Tech Stack

Tools & technologies

AWSDynamoDBJavaJavaScriptNode.jsNoSQLOracleRDBMSSDLC

About the role

Key responsibilities & impact

Applies development expertise building middleware and back-end systems along with designing and architecting system capabilities for a payment rail
Designs the strategy for continuous enhancement, performance optimization, stability, and scalability
Designs, develops, and maintains fully-fledged and functioning platforms with databases or servers
Works with databases, servers, APIs, version control systems, and third-party apps
Ensures cross-platform compatibility and fixes issues during test and production phases
Builds dynamic and innovative software product/apps including front-end, middleware and back-end components
Works in an environment to complete software development from conception to deployment
Maintains and upgrades the software following deployment
Manages the end-to-end life cycle to produce software and applications
Oversees and guides the analysis, writing, building, and deployment of software
Oversees automated testing and provides insights on results

Requirements

What you’ll need

5 - 7 years of relevant experience
Experience working in Financial Institution
Thorough understanding of payment flow for any payment platforms supporting Wires, ACH, TCH or Zelle
Backend Technologies and Frameworks including AWS services, Node.js and/or Java, XML/XSD
Database and cache such as NoSQL (DynamoDB), RDBMS (Oracle, Postgress)
Experience working with various Version Control systems and tools such as Github, JIRA, Confluence, Sharepoint
Familiarity with AI tools Github copilot, AWS Bedrock
SDLC methodologies including Waterfall and Agile
Technical writing/documentation
Organizational skills
Analytical and problem-solving skills

Benefits

Comp & perks

Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

middleware developmentback-end systemsperformance optimizationscalabilityAPIsAWS servicesNode.jsJavaNoSQLRDBMS

Soft Skills

organizational skillsanalytical skillsproblem-solving skillstechnical writing