Jobs · Engineering · New Jersey

Blockchain & AI Software Lead Engineer (Payments), Vice President

MUFG · Jersey City, NJ · 2 mo ago
On-siteEngineering$140k–$205k/yrFull-time

Role Summary

We are seeking a Blockchain & AI Software Engineer to design and build next-generation payments and treasury platforms leveraging distributed ledger technology (DLT) and artificial intelligence.

Key Responsibilities

  • Design and develop platforms supporting real-time payments, cross-border payments, settlement, and treasury flows.
  • Implement blockchain-based solutions for:
    • Tokenized deposits, stablecoins, and on-chain settlement
    • Liquidity management and intraday funding optimization
    • Reconciliation, confirmations, and auditability
    • Integrate blockchain components with core banking systems, payment engines, and treasury platforms
  • Support interoperability across traditional payment rails (ACH, RTP, wires) and digital asset rails.
  • Blockchain Engineering

    • Build and maintain solutions across public, private, and permissioned blockchains (e.g., Ethereum, Hyperledger Fabric, Quorum).
    • Develop and deploy smart contracts for payments, settlement logic, and asset movement using Solidity, Go, Rust, or equivalent.
    • Design on-chain/off-chain architectures ensuring scalability, resiliency, and regulatory alignment.
    • Implement secure key management, transaction signing, and access controls.

    AI & Advanced Analytics

    • Apply AI-driven insights to improve predictability, control, and decision-making in treasury operations.

    Platform & Software Engineering

    • Build cloud-native, microservices-based platforms using modern engineering practices.
    • Ensure solutions meet enterprise-grade standards for performance, resilience, observability, and scalability.
    • Collaborate with architecture, treasury, payments, risk, and compliance teams to translate business requirements into technical designs.
    • Contribute to design reviews, code reviews, and platform governance.

    Security, Risk & Compliance

    • Design solutions with security-by-design principles, including encryption, identity, access management, and audit trails.
    • Ensure alignment with regulatory and control frameworks (e.g., KYC/AML, data privacy, operational resilience).
    • Partner with risk, legal, and compliance stakeholders to support regulatory readiness.

    Required Qualifications

    • Technical Skills:
      • Strong experience in software engineering (Java, Python, Go, or similar).
      • Hands-on experience with blockchain platforms, smart contracts, or distributed systems.
      • Experience with cloud platforms (AWS, Azure, or GCP).
      • Strong understanding of APIs, event-driven architectures, and microservices.
      • Experience with SQL and NoSQL databases and data pipelines.
    • Engineering Fundamentals:
      • Solid grounding in data structures, algorithms, and system design.
      • Experience with CI/CD pipelines, automated testing, and DevSecOps practices.
      • Able to troubleshoot high-throughput, low-latency systems.

    Preferred Qualifications

    • Experience in payments, treasury, or financial services platforms.
    • Exposure to tokenized deposits, stablecoins, CBDCs, or digital settlement models.
    • Knowledge of liquidity management, intraday funding, and reconciliation processes.
    • Familiarity with MLOps and AI governance frameworks.
    • Understanding of regulatory expectations for payments and AI in banking.
    • Experience working with global, cross-functional teams.

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