Lead Cloud Software Developer - (AWS / AI / Real Time Payment Systems)

Role Overview We are seeking an experienced Lead Cloud Software Developer to design, build, and support secure, scalable, highly available, and resilient real-time payment systems. The ideal candidate will bring deep expertise in AWS serverless technologies, event-driven architecture, cloud-native application development, and GitHub-based DevOps practices.

Primary Focus This role is responsible for delivering mission-critical solutions across real-time payment networks and modern banking ecosystems, including:

Real-Time Payments (RTP)

Open Banking integrations

ISO 20022-based payment ecosystems

Core Capabilities The position requires a strong understanding of distributed systems, cloud architecture, API development, CI/CD automation, security, resiliency, and operational excellence within a regulated financial services environment. Drives the overall software development lifecycle including working across functional teams to transform requirements into features, managing development teams and processes, and conducting software testing and maintenance. Specific project areas of focus includes translating user requirements into technical specifications, writing code and managing the preparation of design specifications. Supports system design, provides advice on security requirements and debugs business systems and service applications. Applies deep knowledge of algorithms, data structures and programming languages to develop high quality technology applications and services - including tools, standards, and relevant software platforms based on business requirements.

Translates user needs into technical specifications by understanding, conceptualizing, and facilitating technical requirements from user.

Analyzes, develops, tests, and implements new software programs, and documentation of entire software development life cycle execution.

Performs preventative and corrective maintenance, troubleshooting and fault rectification of system and core software components .

Ensures that code/configurations adhere to the security, logging, error handling, and performance standards and non-functional requirements.

Evaluates new technologies for fit with the program/system/eco-system and the associated upstream and downstream impacts on process, data, and risk.

Follows release management processes and standards and applies version controls.

Assists in interpreting and documentation of client requirements.

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.

Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Key Responsibilities Cloud Native Development Design and develop cloud-native applications using AWS Serverless services.

Build event-driven, loosely coupled microservices supporting real-time payment processing.

Implement secure REST APIs and asynchronous messaging solutions.

Develop highly resilient payment services with sub-second processing requirements.

Optimize application performance, scalability, and reliability.

AWS Serverless Engineering AWS Lambda

Amazon API Gateway

AWS EventBridge

Amazon SQS

Amazon SNS

AWS Step Functions

Amazon DynamoDB

Amazon Aurora PostgreSQL

AWS CloudWatch

AWS Secrets Manager

AWS Systems Manager Parameter Store

AWS KMS

AWS WAF

Real-Time Payments Develop integrations for RTP, SWIFT, ACH, and ISO 20022 payment processing.

Implement payment orchestration and transaction lifecycle management.

Design solutions supporting:

High availability

Active-active architectures

Fault tolerance

Disaster recovery

Regulatory compliance

DevOps & GitHub Implement CI/CD pipelines using GitHub Actions.

Build Infrastructure as Code (IaC) using AWS CDK.

Automate testing, deployment, monitoring, and rollback processes.

Manage source code repositories, branch strategies, pull requests, and release governance.

Operational Excellence Participate in production support and incident resolution.

Conduct root cause analysis and problem management activities.

Implement observability using logs, metrics, traces, and dashboards.

Support chaos engineering and resiliency testing initiatives.

Required Experience 5-7+ years of software development and relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

3+ years of AWS cloud development experience.

2+ years of serverless architecture experience.

Experience working within financial services, payments, fintech, or banking.

Experience building event-driven architectures and distributed systems.

Experience with mission-critical, high-volume transaction systems.

Required Technical Skills AWS Services Compute & Integration AWS Lambda

API Gateway

EventBridge

SNS

SQS

Step Functions

Data Services DynamoDB

ElastiCache Redis

Security AWS IAM

KMS

Secrets Manager

Monitoring CloudWatch

X-Ray

OpenTelemetry

Development Skills Languages Python

TypeScript

Node.js

API Development REST APIs

OpenAPI / Swagger

OAuth2

JWT

Microservices

Databases DynamoDB

NoSQL Design

SQL Optimization

GitHub & DevOps GitHub Enterprise

GitHub Actions

GitHub Copilot

Branch Protection Policies

Pull Request Reviews

CI/CD Automation

Infrastructure as Code AWS CDK

Recommended AI Skills (Preferred) Candidates with AI-assisted development experience will be highly preferred.

Generative AI Development GitHub Copilot

OpenAI APIs

AWS Bedrock

Prompt Engineering

AI-Assisted Engineering AI-powered code generation

AI-assisted unit test creation

Code review automation

Documentation generation

Technical design generation

DevOps automation using AI

AI Platform Knowledge Understanding of Amazon Bedrock

AI Security and Governance

AI Use Cases Experience implementing Intelligent Payment Operations

Incident Root Cause Analysis

Log Analysis using AI

Fraud Detection Support

Application Support Chatbots

Knowledge Management Solutions

Preferred Experience Real-Time Payments (RTP)

ISO 20022

Open Banking APIs

Payment Hub Platforms

Banking Domain Knowledge

PCI-DSS Compliance

Resiliency & Chaos Engineering

Key Success Factors The ideal candidate will demonstrate: Strong cloud-native engineering skills

Deep serverless architecture expertise

Payments domain experience

Excellent GitHub and DevOps practices

AI-assisted development capabilities

Security-first mindset

Strong problem-solving skills

Ability to work in high-availability, mission-critical environments

Certifications AWS AWS Certified Developer Associate (Required)

AWS Certified Solutions Architect Associate/Professional (Recommended)

AWS Certified DevOps Engineer Professional (Recommended)

GitHub GitHub Foundations (Required)

GitHub Actions Certification (Recommended)

AI Certifications AWS Certified AI Practitioner (Required)

Salary $70,000.00 - $150,000.00

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 view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

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