Senior Developer - Emerging Payments (Zelle / ACH / TCH / Wire)

Application Deadline:

05/14/2026

Address: 1625 W. Fountainhead Parkway

Job Family Group: Technology

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. Designs the responsive design, and complete architecture. 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.

Modifies and tests changes to previously developed programs.

Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.

Provides specialized consulting, analytical and technical support.

Exercises judgment to identify, diagnose, and solve problems within given rules.

Works independently and regularly handles non-routine situations.

Broader work or accountabilities may be assigned as needed.

Qualifications:

In-Depth level of proficiency:

Experience working in Financial Institution and thorough understanding of payment flow for any of the payment platforms supporting Wires, ACH, TCH or Zelle.

Backend Technologies and Frameworks including AWS services, Node.js and/or Java, XML/XSD

AWS Services – Serverless and event driven/reactive architecture

Database and cache such as NoSQL (DynamoDB), RDBMS (Oracle, Postgress) etc.

Experience working with various Version Control systems and tools such as Github, JIRA, Confluence, Sharepoint etc.

Familiarity with AI tools Github copilot, AWS Bedrock etc.

SDLC methodologies including Waterfall and Agile.

Technical writing / documentation.

Organization skills and Collaboration & team skills.

Analytical and problem-solving skills along with verbal & written communication skills.

Data driven decision making.

Typically, between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

Deep knowledge and technical proficiency gained through extensive education and business experience.

Nice to have:

ISO message specification, experience with front-end technologies and frameworks.

Certification on AWS Associate Architect and/or AWS Certified Developer

Salary:

$81,400.00 - $151,800.00

Pay Type: Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards