Principal Engineer

Projects Overview

Date Posted: 13-Jul-2026
Job Type: Full Time
Job Exp: 1 Year
Salary: ₹20000 / MONTH
Location: bengaluru
Education Req: Bachelor's (Preferred)

Job description

Job Title: Principal Engineer – Financial and Risk & Compliance Technology

Location: Bengaluru, Karnataka
Company: American Express
Job Type: Full-time
Benefits: Health insurance, hybrid work model, parental leave, and more

About American Express

At American Express, we believe in the power of backing our customers, communities, and each other. By joining Team Amex, you enter a global and inclusive community where every colleague is recognized for their impact. Together, we strive to deliver the world’s best customer experience, and we do it with integrity, teamwork, and a shared commitment to excellence.

Role Overview

As a Principal Engineer in the Financial and Risk & Compliance Technology organization, you will lead enterprise-level architectural and engineering strategy for core platforms that power financial reporting, regulatory compliance, risk management, anti-money laundering (AML), and fraud detection.

You will act as a technical advisor to senior leaders, guiding the design of scalable, compliant, and resilient systems. This high-impact role blends deep technical knowledge, leadership skills, and strategic vision to drive innovation across American Express' most critical technology domains.

Key Responsibilities

Serve as the senior-most engineering leader across Financial and Risk & Compliance technology.
Architect and implement secure, scalable, cloud-native platforms and services.
Provide end-to-end technical leadership across domains like:
- Financial ledgers
- AML/KYC systems
- Risk scoring engines
- Regulatory data platforms
Lead strategic initiatives that intersect multiple business areas and have enterprise-level impact.
Collaborate with senior stakeholders in product, compliance, risk, and architecture teams to align roadmaps.
Mentor senior engineers and architects, fostering engineering excellence and continuous learning.
Stay ahead of industry trends and emerging technologies to shape platform evolution and investment decisions.
Clearly translate complex technical topics into executive-level presentations.

Core Technical Skills

Deep expertise in system design, cloud-native architecture, and enterprise engineering practices.
Hands-on development experience in:
- Java, JavaScript/Node.js
- Kafka, Vert.x, REST APIs
- ElasticSearch, Couchbase, Postgres
- Distributed database systems
Proficient in:
- CI/CD, DevOps, observability, performance tuning
- Microservices and event-driven architecture
- Containerization with Docker, Kubernetes
Knowledge of compliance frameworks:
- SOX, PCI, FFIEC
Experience with financial systems and compliance platforms (AML, KYC, fraud detection).

Leadership & Strategic Capabilities

Ability to influence executive-level stakeholders with clarity and confidence.
Strategic thinker with a clear understanding of connecting vision to action.
Proven leadership in cross-functional, matrixed organizations.
Strong mentoring ability to elevate engineering talent and foster culture.
Decisive problem solver with strong technical judgment.
Comfortable leading through ambiguity and complexity.

Minimum Qualifications

10+ years of engineering experience, including architecture and cloud infrastructure.
Proven success leading complex technology efforts in regulated domains, ideally financial services.
Hands-on coding experience combined with high-level strategic planning capabilities.
Strong experience in Agile, DevOps, and Secure Development environments.
Bachelor's degree in Computer Science, Software Engineering, or related field (Master’s preferred).

Employee Benefits

American Express supports its colleagues with a comprehensive well-being package, including:

Competitive base salary and bonus incentives
Support for retirement and financial well-being
Comprehensive health insurance: medical, dental, vision, life, and disability (depending on location)
Flexible work model: hybrid, onsite, or virtual (depending on role)
Generous parental leave policies
Access to global on-site wellness centers (based on location)
Free, confidential mental health support via the Healthy Minds program
Career development, upskilling, and learning opportunities

Equal Opportunity Statement

American Express is an equal opportunity employer, making employment decisions without regard to race, religion, gender identity, sexual orientation, national origin, age, veteran status, disability, or any legally protected status.