Position Overview

We are seeking a highly skilled and versatile Senior ATM & Financial Systems Software Engineer to join our engineering team. In this role, you will bridge the gap between low-level embedded hardware systems and modern cloud-native enterprise architectures. You will be responsible for designing, developing, and securing critical ATM software, transaction processing systems, and administrative dashboards. The ideal candidate possesses a deep understanding of financial protocols, robust security standards, and modern DevOps practices, ensuring high availability, compliance, and seamless integration across our distributed banking infrastructure.

Key Responsibilities

• ATM Software Development: Design, develop, and maintain robust, high-performance software for ATMs and financial self-service terminals, ensuring seamless low-level interaction with hardware components.
• API & Integration Engineering: Architect, implement, and maintain secure internal and external APIs for ATM fleet management, real-time status reporting, and seamless integration with core banking and enterprise systems.
• Security & Cryptography Implementation: Implement and enforce advanced security measures, including cryptographic protocols (Triple DES, AES), tokenization, secure boot processes, and intrusion detection systems to safeguard financial transactions and terminal integrity.
• Full-Stack & Dashboard Development: Build scalable backend services using modern languages and develop intuitive, responsive administrative dashboards for fleet monitoring and system configuration.
• Database & Telemetry Management: Design and optimize relational databases for transactional integrity and leverage NoSQL databases for high-volume logging, auditing, and telemetry data analysis.
• DevOps & Cloud Deployment: Orchestrate containerized deployments and manage backend infrastructure on cloud platforms, utilizing automated CI/CD pipelines to ensure rapid, reliable, and secure software delivery.
• Compliance & Regulatory Adherence: Ensure all software development and system configurations strictly adhere to financial regulations, industry standards (e.g., EMV, ADA), PCI DSS, and internal corporate compliance policies.
• System Diagnostics & Troubleshooting: Diagnose, debug, and resolve complex software and network issues within a highly critical, distributed, and high-availability production environment.
• Cross-Functional Collaboration: Partner closely with hardware engineers, cybersecurity specialists, compliance officers, and business stakeholders to align technical solutions with operational and business objectives.

Qualifications: Experience

• Minimum Experience: 5+ years of professional software engineering experience, with a strong focus on embedded systems, financial transaction systems, or ATM software development.
• Embedded & Low-Level Systems: Proven track record of developing low-level applications interacting directly with hardware peripherals (e.g., card readers, cash dispensers, encrypting PIN pads).
• Full-Stack Development: Demonstrated experience building enterprise-grade backend services and modern, responsive web-based administrative dashboards.
• Financial Transaction Systems: Hands-on experience working with financial transaction messaging standards and secure payment processing workflows.
• Security Hardening: Direct experience hardening operating systems (Windows Embedded/Linux) and implementing secure coding practices, threat modeling, and vulnerability remediation.
• Cloud & Containerization: Experience deploying and managing applications in cloud environments using container orchestration platforms.

Technical Skills

• Programming Languages:
  • Low-Level/Systems: C++, Java
  • Backend/Services: Python, Node.js, Go
  • Frontend Frameworks: Angular, React, Vue.js
• Database Management:
  • Relational: PostgreSQL, Oracle Database
  • NoSQL: MongoDB, Cassandra, or similar (for logging and telemetry)
• Operating Systems: Windows Embedded, Linux Distributions (Red Hat, Ubuntu, etc.), including OS-level security configurations and hardening.
• Networking & Financial Protocols:
  • Network: TCP/IP, HTTP/S, SFTP, TLS/SSL
  • Financial: ISO 8583 (transaction messaging), EMV (chip card standards)
• Security & Cryptography:
  • Encryption Standards: Triple DES, AES, RSA
  • Security Mechanisms: Tokenization, Secure Boot, Intrusion Detection Systems (IDS), Threat Modeling, Static/Dynamic Application Security Testing (SAST/DAST)
• Cloud & DevOps:
  • Cloud Platforms: OSE (OpenShift Container Platform)
  • Containerization: Docker, Kubernetes
  • CI/CD Tools: Jenkins, Tekton, Git/Bitbucket, and automated testing frameworks

Professional Skills

• Analytical & Problem-Solving: Exceptional diagnostic and analytical skills, with a proven ability to troubleshoot complex, distributed, and highly critical systems under tight timelines.
• Communication & Collaboration: Strong verbal and written communication skills, with the ability to translate complex technical concepts for non-technical stakeholders and collaborate effectively with multidisciplinary teams.
• Regulatory & Compliance Mindset: Deep commitment to security, quality, and compliance, with a meticulous approach to adhering to industry standards and regulatory mandates.
• Adaptability & Continuous Learning: Ability to rapidly adapt to evolving technologies, bridging the gap between legacy embedded systems and modern cloud-native architectures.

Education & Certifications

• Education:
  • Bachelor’s or Master’s degree in Computer Science, Computer Engineering, Software Engineering, or a closely related technical field.

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Job Family Group:

Technology

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Job Family:

Applications Development

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Time Type:

Full time

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Primary Location:

Irving Texas United States

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Primary Location Full Time Salary Range:

$125,760.00 - $188,640.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

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Most Relevant Skills

Please see the requirements listed above.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

Aug 06, 2026

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Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.