TD Bank
Principal Software Engineer - Digital Transformation & AI Customer Experience (U
TD Bank, New York, New York, us, 10261
Principal Engineer
We are seeking a visionary Principal Engineer to spearhead transformational initiatives across our digital banking ecosystem, leveraging cutting-edge AI technologies to revolutionize customer experience. This role combines deep technical expertise in full-stack development with advanced AI/ML knowledge to architect next-generation solutions spanning mobile, web, and mid-tier services. Key Responsibilities Digital Transformation Leadership Architecture Modernization Full-Stack Innovation Technology Strategy API Strategy AI-Driven Customer Experience AI Integration Personalization Engines Predictive Analytics Natural Language Processing Mobile & Web Excellence Cross-Platform Strategy Progressive Web Apps Performance Optimization Responsive Design Mid-Tier Architecture Microservices Design Event-Driven Systems Data Pipeline Architecture Integration Patterns Innovation & Research Emerging Technologies Customer Journey Analytics A/B Testing Frameworks ML Operations Depth & Scope: Leading authority on Software engineering concepts, principals, practices and standards Thought leader on IT risk-based approaches to Software engineering and on other domains in technology control / information security fields Sets the direction and oversees the work of other Software Engineering professionals on complex, highly-visible projects of significant profile, strategic importance, and enterprise impact to the bank Establishes and leads Software engineering working groups to achieve goals that impact multiple Journeys and Platform Provides consultative and strategic guidance to executive leadership Engineering specialist assigned to work autonomously on high profile, complex and high-risk technology initiatives with significant impact to the organization Has a blend of skills in Software engineering, architecture, solutions architecture, application security and coding Primarily works at the enterprise level Education & Experience: Undergraduate degree, Post Graduate degree or Technical Certificate Strong academic background (e.g., computer science, engineering) Graduate degree nice to have 15 years relevant experience Customer Accountabilities: Is responsible for advancing the software engineering practices through processes and tools, setting development and design standards at business unit and/or enterprise level Executes on Engineering strategy as it relates to the introduction of tools and the automation of build, test, release and configure activities across Application, Platform and Infrastructure Leads the creation of solution options and ultimately a comprehensive end-to-end solution and coordinate relevant stakeholders, as required to support development initiatives; following a "build it, break it, fix it mentality". Is responsible for developing and documenting detailed solution design and acts as an application SME through the design and development lifecycle ensuring alignment with Architecture Is accountable for complex applications/ systems development, programming / coding Develops functional, technical and user interface designs for an application / system that meets the defined requirements (business, enterprise architecture direction, system performance and development standards) Consults on development of requirements and specifications and applies functional knowledge of business functions to design optimal software / systems Reviews technical deliverables throughout detailed design and development phase to ensure quality adherence and identify gaps or redesign requirements as needed Identifies, recommends, sources, negotiates and implements improvements/ solutions (buy/build/reuse) to enhance customer experience, availability, and/or reduce cost in support of client needs Works with Technology partners to define metrics and performance goals for the application Identifies and addresses application and data issues and cross-capability and cross-release issues that affect application integrity Researches/ analyzes business requirements to evaluate and recommend optimal solutions within business technology architecture; collects environment requirements for infrastructure implementation by analyzing the current system environment, using technical tools and utilities Works with Architects to ensure that environment modifications interact appropriately, data conversion impacts are considered, and other areas of impact are addressed and meet performance requirements of the project Contributes to the advancement of the TD engineering practice through strong collaboration, research, analytic, and problem-solving skills Shareholder Accountabilities: Adheres to enterprise frameworks or methodologies that relate to software engineering activities Ensures respective programs/ policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities Collaboratively engages with relevant stakeholders at all levels, both internal and external, to shift from finding defects to proactively preventing defects Actively seeks and supports continuous improvement and automation opportunities within the engineering practice Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices Identify opportunities to minimize cost, provide recommendations and/or deliver corresponding strategic solutions to support cost effectiveness and to enhance stakeholder experience Conducts code reviews to ensure adherence to quality, standards compliance, reusability and ease of maintenance, Operational Readiness Reviews, and supporting gating and review sign-offs for solution design Monitors service, productivity and assesses efficiency levels within own function and implement continuous process / performance improvements where opportunities exists Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements Protects the interests of the organization identifies and manage risks, and escalates non-standard, high risk activities as necessary Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest Provides thought leadership and/ or industry knowledge for quality engineering best practices and participates in knowledge transfer within the team and business unit Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques Participates in personal performance management and development activities, including cross training within own team Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities Actively mentors and enables team members by sharing knowledge and leveraging engineering best practices Supports the team by providing guidance and proactively identifying and resolving issues Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships Contributes to a fair, positive and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Preferred Qualifications: 8+ years of experience in full-stack development with 3+ years in senior/principal engineering roles Expert knowledge in multiple programming languages (Python, JavaScript/TypeScript, Java, Swift, Kotlin) Advanced experience with AI/ML frameworks and cloud AI services Strong background in web and mobile development Modern web frameworks expertise (React, Vue.js, Angular, Node.js) Advanced degree in Computer Science, Software Engineering, AI, or related field Cloud certifications with focus on AI/ML services Experience with real-time analytics and streaming platforms (Kafka, Spark) Knowledge of design systems and component libraries Experience with A/B testing platforms and experimentation frameworks Understanding of accessibility standards and inclusive design
We are seeking a visionary Principal Engineer to spearhead transformational initiatives across our digital banking ecosystem, leveraging cutting-edge AI technologies to revolutionize customer experience. This role combines deep technical expertise in full-stack development with advanced AI/ML knowledge to architect next-generation solutions spanning mobile, web, and mid-tier services. Key Responsibilities Digital Transformation Leadership Architecture Modernization Full-Stack Innovation Technology Strategy API Strategy AI-Driven Customer Experience AI Integration Personalization Engines Predictive Analytics Natural Language Processing Mobile & Web Excellence Cross-Platform Strategy Progressive Web Apps Performance Optimization Responsive Design Mid-Tier Architecture Microservices Design Event-Driven Systems Data Pipeline Architecture Integration Patterns Innovation & Research Emerging Technologies Customer Journey Analytics A/B Testing Frameworks ML Operations Depth & Scope: Leading authority on Software engineering concepts, principals, practices and standards Thought leader on IT risk-based approaches to Software engineering and on other domains in technology control / information security fields Sets the direction and oversees the work of other Software Engineering professionals on complex, highly-visible projects of significant profile, strategic importance, and enterprise impact to the bank Establishes and leads Software engineering working groups to achieve goals that impact multiple Journeys and Platform Provides consultative and strategic guidance to executive leadership Engineering specialist assigned to work autonomously on high profile, complex and high-risk technology initiatives with significant impact to the organization Has a blend of skills in Software engineering, architecture, solutions architecture, application security and coding Primarily works at the enterprise level Education & Experience: Undergraduate degree, Post Graduate degree or Technical Certificate Strong academic background (e.g., computer science, engineering) Graduate degree nice to have 15 years relevant experience Customer Accountabilities: Is responsible for advancing the software engineering practices through processes and tools, setting development and design standards at business unit and/or enterprise level Executes on Engineering strategy as it relates to the introduction of tools and the automation of build, test, release and configure activities across Application, Platform and Infrastructure Leads the creation of solution options and ultimately a comprehensive end-to-end solution and coordinate relevant stakeholders, as required to support development initiatives; following a "build it, break it, fix it mentality". Is responsible for developing and documenting detailed solution design and acts as an application SME through the design and development lifecycle ensuring alignment with Architecture Is accountable for complex applications/ systems development, programming / coding Develops functional, technical and user interface designs for an application / system that meets the defined requirements (business, enterprise architecture direction, system performance and development standards) Consults on development of requirements and specifications and applies functional knowledge of business functions to design optimal software / systems Reviews technical deliverables throughout detailed design and development phase to ensure quality adherence and identify gaps or redesign requirements as needed Identifies, recommends, sources, negotiates and implements improvements/ solutions (buy/build/reuse) to enhance customer experience, availability, and/or reduce cost in support of client needs Works with Technology partners to define metrics and performance goals for the application Identifies and addresses application and data issues and cross-capability and cross-release issues that affect application integrity Researches/ analyzes business requirements to evaluate and recommend optimal solutions within business technology architecture; collects environment requirements for infrastructure implementation by analyzing the current system environment, using technical tools and utilities Works with Architects to ensure that environment modifications interact appropriately, data conversion impacts are considered, and other areas of impact are addressed and meet performance requirements of the project Contributes to the advancement of the TD engineering practice through strong collaboration, research, analytic, and problem-solving skills Shareholder Accountabilities: Adheres to enterprise frameworks or methodologies that relate to software engineering activities Ensures respective programs/ policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities Collaboratively engages with relevant stakeholders at all levels, both internal and external, to shift from finding defects to proactively preventing defects Actively seeks and supports continuous improvement and automation opportunities within the engineering practice Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices Identify opportunities to minimize cost, provide recommendations and/or deliver corresponding strategic solutions to support cost effectiveness and to enhance stakeholder experience Conducts code reviews to ensure adherence to quality, standards compliance, reusability and ease of maintenance, Operational Readiness Reviews, and supporting gating and review sign-offs for solution design Monitors service, productivity and assesses efficiency levels within own function and implement continuous process / performance improvements where opportunities exists Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements Protects the interests of the organization identifies and manage risks, and escalates non-standard, high risk activities as necessary Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest Provides thought leadership and/ or industry knowledge for quality engineering best practices and participates in knowledge transfer within the team and business unit Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques Participates in personal performance management and development activities, including cross training within own team Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities Actively mentors and enables team members by sharing knowledge and leveraging engineering best practices Supports the team by providing guidance and proactively identifying and resolving issues Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships Contributes to a fair, positive and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Preferred Qualifications: 8+ years of experience in full-stack development with 3+ years in senior/principal engineering roles Expert knowledge in multiple programming languages (Python, JavaScript/TypeScript, Java, Swift, Kotlin) Advanced experience with AI/ML frameworks and cloud AI services Strong background in web and mobile development Modern web frameworks expertise (React, Vue.js, Angular, Node.js) Advanced degree in Computer Science, Software Engineering, AI, or related field Cloud certifications with focus on AI/ML services Experience with real-time analytics and streaming platforms (Kafka, Spark) Knowledge of design systems and component libraries Experience with A/B testing platforms and experimentation frameworks Understanding of accessibility standards and inclusive design