Software Engineer II - Mobile Payments Solutions

Job Description

The Enterprise Data and AI organization unites the data governance, strategy, engineering, and product teams with those responsible for AI engineering, generative AI enablement, and automation product and engineering. This group plays a pivotal role in leveraging data as a core driver of innovation and integrating AI capabilities to transform products, operations, and customer experiences.

The EDAI organization also incorporates technology Research & Development and experimentation with emerging capabilities, along with engineering support for Amex Digital Labs. This integration ensures that research breakthroughs seamlessly translate into business impact.

We’re looking for an experienced Software Engineer ll to work on the mobile payments solutions that will be used by tens of millions of cardholders around the world. We want someone who is super creative and enjoys solving tough problems. You should be able to come up with brilliant solutions that no one else can, and be obsessive about UI/UX design and user experience.

You’ll be part of the Digital Payments Engineering team whose mandate is to develop new products and platforms for American Express customers. Payments Engineering’s aim is to build interactive experiences at all touch points of a consumer's journey whether before, at, or after the time of purchase. The products will range from new payment vehicles and partnerships with other payment entities to interactive web experiences.

What You'll Do Contribute to the design and implementation of LLM-powered and agentic product features. Build and extend agentic AI workflows that reason over context, call tools, and perform actions under guidance from senior engineers. Help implement and maintain retrieval-augmented generation (RAG) pipelines over financial data, with an emphasis on correctness and safety. Contribute to shared AI infrastructure such as LLM services, orchestration components, and evaluation or monitoring tooling. Participate in operating AI systems in production, including monitoring, debugging, and improving reliability and performance. Collaborate closely with product and design partners, learning to translate customer needs into technical solutions.

Responsibilities

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Technical Environment We don't hire to a narrow checklist, but candidates should be excited to grow in a modern, enterprise-scale engineering environment with a focus on agentic AI. Core engineering stack Languages: Python Cloud and infrastructure: AWS and/or GCP, Kubernetes APIs and services: REST, gRPC Distributed systems: event-driven architectures, including Kafka Agentic AI and ML   Commercial and open-source LLMs integrated into agentic workflows Tooling for agent orchestration, retrieval-augmented generation, vector storage, and evaluation Schema validation and structured data handling AI-assisted development Use of AI-assisted and agentic development tools for design, implementation, testing, debugging, and refactoring Learning how to apply these tools responsibly while maintaining production-quality standards All systems are built to meet high standards for reliability, security, and auditability, reflecting the responsibility of deploying autonomous AI in a financial services environment.

Qualifications

Exposure to LLM tooling, prompt engineering, RAG, or agent frameworks through work, coursework, or personal projects. Internship or early-career experience in fintech or other regulated environments. Contributions to open-source projects, hackathons, or side projects related to AI or developer tooling. Needs 3-5 years experience.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

About Us

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.