**Description** At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. **How will you make an impact in this role?** As a member of our technology organization, you’ll help build the digital solutions that are critical to the financial wellbeing and trust of our customers and partners. We work with purpose and with passion—backing one another every step of the way. **About the Role: Principal Engineer – Financial and Risk & Compliance Technology** We are looking for a forward-thinking and influential Principal Engineer to lead the architecture, design, and engineering of core platforms within our Financial and Risk & Compliance Technology organizations. This role is responsible for driving enterprise-scale technical strategy and execution, crafting engineering standards, and serving as a technical advisor to senior leaders across the organization. As a trusted leader in our technology ecosystem, you’ll partner with product, risk, compliance, and engineering teams to deliver scalable, resilient, and compliant solutions that power critical business capabilities—such as financial reporting, risk analysis, regulatory controls, anti-money laundering, and fraud prevention. This is a pivotal position that requires a rare combination of deep technical expertise, intuition for business, and executive presence. **Key Responsibilities:** + Serve as the senior-most engineering leader across Financial and Risk & Compliance technology teams, providing strategic direction on systems design, cloud architecture, and engineering execution. + Architect and implement robust, scalable, secure, and high-performance platforms and services in alignment with compliance and regulatory frameworks. + Drive end-to-end technical leadership across complex domains such as financial ledgers, AML/KYC systems, risk scoring engines, and data platforms. + Lead solutioning efforts on high-impact cross-cutting initiatives with significant business visibility and impact. + Collaborate with senior product, risk, compliance, and enterprise architecture partners to align technology roadmaps and long-term vision. + Mentor senior engineers and architects across teams, encouraging a culture of engineering excellence, innovation, and continuous learning. + Evaluate emerging technologies and industry trends to influence platform strategies and technology investments. + Translate complex technical issues and system interdependencies into clear narratives for executive collaborators. **Core Technical Skills:** + Deep expertise in system design, cloud-native architecture, and enterprise-level engineering standard methodologies. + Advanced knowledge of cloud platforms (AWS, GCP, or Azure), microservices, event-driven architecture, and containerization. + Strong hands-on development experience in technologies such as Java, JavaScript/Node.js, Kafka, Vert.x, RESTful APIs, ElasticSearch, Couchbase, Postgres, and distributed databases. + Proficiency in CI/CD, DevOps, observability, performance tuning, and scalable systems design. + Familiarity working within regulatory compliance frameworks such as SOX, PCI, and FFIEC, and their downstream implications. + Experience navigating financial systems (e.g., accounting, reconciliation, ledger services) and risk & compliance platforms (e.g., AML, KYC, fraud detection). **Leadership & Strategic Skills:** + Executive-level communication with a strong ability to influence at all organizational levels + Critical thinking with the ability to connect long-term vision to pragmatic execution. + Collaborative leadership style that thrives in multi-functional, matrixed environments. + Outstanding problem-solving and decision-making capabilities, balancing technical trade-offs with business impact. + Proven experience in mentoring and growing senior engineering talent and building strong engineering culture. + Ability to manage through ambiguity and drive clarity on complex initiatives. + Excellent written and verbal communication skills and judgement. **Minimum Qualifications** + 10 years of engineering experience with a focus on architecture, cloud infrastructure, and enterprise-scale platforms. + Demonstrated success in leading architecture and engineering for complex, regulated environments—ideally within financial services, risk, or compliance domains. + High level of hands-on development experience and ability to contribute at both strategic and tactical levels. + Experience working in Agile and Dev/Sec/Ops environments + Bachelor’s degree in Computer Science, Software Engineering, or a related field. **Preferred Qualifications** + Master's Degree in Computer Science, Software Engineering, or related field. **Qualifications** Salary Range: $220,000.00 to $320,000.00 annually bonus equity (if applicable) benefits The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: + Competitive base salaries + Bonus incentives + 6% Company Match on retirement savings plan + Free financial coaching and financial well-being support + Comprehensive medical, dental, vision, life insurance, and disability benefits + Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need + 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy + Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) + Free and confidential counseling support through our Healthy Minds program + Career development and training opportunities For a full list of Team Amex benefits, visit our Colleague Benefits Site . American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions. We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually. US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster **Job:** Executive **Primary Location:** India-Karnataka-Bengaluru Urban **Schedule** Full-time **Req ID:** 25013867