Director, Full-Stack Engineer

BNY's Loans Platform team is building the firm's strategic platform for loans

and structured credit products, including notes and CLOs. It combines AI-powered

document processing, a deterministic policy engine, event-driven agent services,

and blockchain-based transaction recording to modernize how complex credit

agreements are onboarded and serviced and how trades are settled at scale. The

platform will replace legacy loans systems.

This is a hands-on, AI-enabled engineering role. You'll write production code

using Codex or Claude, own production systems, and ship features that process

real financial transactions. The team is intentionally small and senior, using

AI throughout the software development lifecycle to operate with exceptional

leverage. You'll also provide technical leadership, setting engineering

standards, mentoring the team, and driving the platform roadmap alongside active

client delivery. Success means shipping a high-quality product that clients

adopt-one that reduces costs and generates revenue for the firm.

The Platform

* AI-powered document processing-LLM pipelines that extract and structure

complex financial terms from several-hundred-page credit agreements using RAG

architectures and knowledge graph platforms.

* Policy engine- per-deal rule sets generated from extracted terms that encode

interest accrual, margin pricing, drawdown validation, amortization

schedules, fees, and default behavior as deterministic, auditable business

logic.

* Agent services-event-driven Java services that orchestrate day-to-day loan

servicing -contract creation, accrual processing, rate resets, paydowns,

borrower elections- by querying the policy engine and recording transactions

on-chain.

* Blockchain ledger- smart contracts on a private chain that serve as the

immutable record of all cash movements, position updates, and schedule

changes.

* Operations tooling-React dashboards for operations teams, lenders, and

borrowers, with integrated exception-management workflows.

What You'll Do

• * Take primary ownership of one area of the platform while contributing across
• the stack- backend services (Java/Python), frontend tooling (React), AI
• orchestration, smart contracts, or policy logic
• * Design, build, and own components end-to-end from technical discovery through
• production deployment
• * Architect event-driven systems using Kafka, containerized deployments, and
• resilient distributed-systems patterns
• * Lead technical discovery and rapid prototyping to validate new capabilities
• before committing to production builds
• * Establish coding standards, architectural patterns, and engineering best
• practices that keep the codebase maintainable as the team scales
• * Mentor engineers, lead code reviews, and create a culture of technical rigor
• * Collaborate with product, operations, and compliance teams to translate
• business requirements into working systems
• * Communicate technical strategy and trade-offs to senior leadership in clear,
• actionable terms
• What You Bring
• * 10+ years of software engineering experience, with a strong track record of
• shipping production systems.
• * Deep proficiency in at least one layer of stack -backend services, frontend
• UIs, AI/ML systems, blockchain, or data infrastructure with the ability to
• work across others
• * Strong fundamentals in distributed systems, event-driven architecture, and
• API design
• * Experience with some combination of: Java, Python, React, Kafka, Oracle,
• Snowflake, Docker/Kubernetes
• * Fluency with AI-assisted software development, including using coding agents
• such as Codex and Claude to move quickly without compromising quality
• * Experience with LLMs, prompt engineering, RAG architectures, or AI/ML
• integration is a strong plus
• * Familiarity with blockchain, smart contracts, or on-chain transaction systems
• is a strong plus
• * Financial services or capital markets experience is a plus - you don't need
• to be a loan expert, but you should be comfortable learning the domain
• quickly
• * You default to building and shipping over theorizing -prototypes, working
• code, and measurable results matter more than slide decks
• Why This Role
• This isn't a typical enterprise engineering job. You'll work at the intersection
• of AI, programmable policy, and financial infrastructure- building systems that
• digitize complex legal documents, automate loan servicing operations, and drive
• real money movement. The problems are hard, the domain is complex, and the
• impact is direct.
• At BNY, our culture allows us to run our company better and enables employees’
• growth and success. As a leading global financial services company at the heart
• of the global financial system, we influence nearly 20% of the world’s
• investible assets. Every day, our teams harness cutting-edge AI and breakthrough
• technologies to collaborate with clients, driving transformative solutions that
• redefine industries and uplift communities worldwide.
• Recognized as a top destination for innovators, BNY is where bold ideas meet
• advanced technology and exceptional talent. Together, we power the future of
• finance – and this is what #LifeAtBNY is all about. Join us and be part of
• something extraordinary.
• At BNY, our culture speaks for itself, check out the latest BNY news at BNY
• Newsroom [https://www.bny.com/corporate/global/en/about-us/newsroom.html] & BNY
• LinkedIn [https://www.linkedin.com/company/bnyglobal/posts/?feedView=all]
• Here’s a few of our recent awards:
• * America’s Most Innovative Companies, Fortune, 2025
• * World’s Most Admired Companies, Fortune 2025
• * “Most Just Companies”, Just Capital and CNBC, 2025

Our Benefits

and Rewards:

BNY offers highly competitive compensation, benefits, and wellbeing programs

rooted in a strong culture of excellence and our pay-for-performance philosophy.

We provide access to flexible global resources and tools for your life’s

journey. Focus on your health, foster your personal resilience, and reach your

financial goals as a valued member of our team, along with generous paid leaves,

including paid volunteer time, that can support you and your family through

moments that matter.

BNY is an Equal Employment Opportunity/Affirmative Action Employer -

Underrepresented racial and ethnic groups/Females/Individuals with

Disabilities/Protected Veterans.

BNY assesses market data to ensure a competitive compensation package for our

employees. The expected base salary for this position when employment commences

can be found in the Job Info section at the bottom of the posting.

Base salary offered may vary depending on multiple individualized factors,

including market location, job-related knowledge, skills, and experience. Base

salary is only part of the total rewards package, which may include eligibility

for an annual discretionary incentive award. Subject to the terms and conditions

of the applicable plans then in effect, eligible employees may enroll in a

401(k) plan as well as participate in Company-sponsored medical, dental, vision,

and basic life insurance plans for the employee and the employee’s eligible

dependents. Eligible employees also may receive other benefits (including

various paid time off benefits, such as vacation and sick time), dependent on

the position offered. Details of participation in these benefit plans will be

provided if an employee receives an offer of employment.

If hired, the employee will be in an “at will” position and the Company reserves

the right to modify base salary (as well as any other discretionary payments or

compensation programs) at any time, including for reasons related to individual

performance, Company or individual department/team performance, and market

factors.