Software Developer

Where Banking Feels Like Belonging

At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co-workers and communities - helping to navigate life's little and big moments.

Who we are:

As a member-owned, not-for-profit credit union, APG Federal Credit Union (APGFCU) empowers our members with financial products and services to support them at every stage of their financial lives, helping them become money smart and financially independent. We proudly serve people in:

• Harford County
• Cecil County
• Baltimore County
• Baltimore City

We believe banking should feel personal, supportive, and human. That goes for our members and our employees. Here, you're not just filling a role - you're making a difference in your community.

Our team lifts each other up and our leaders invest in your growth. We celebrate wins, recognize and value contributions, and support each other through challenges. We strive for meaningful connections across our teams, because that's what belonging is all about.

Let's build something meaningful together.

Role Summary:

APGFCU is seeking an innovative and member-focused Software Developer to help build the future of digital banking and digital member-facing solutions. This role will design, develop, integrate, and maintain digital solutions that create seamless, secure, and intuitive experiences across online / mobile banking, digital onboarding, Online Account Opening/Online Loan Portal, payments, and emerging digital channels including cutting-edge fintech solutions. Our goal is to be in the top quartile for member experience of credit unions by consistently offering the right features in an intuitive and easy to use experience, as well as incorporating a human touch when it is right.

The ideal candidate combines strong full-stack development expertise with a passion for user experience, modern fintech integrations, and agile software delivery. This individual will partner closely with Digital Experience, Product Owners, Operations, Lending, Marketing, and third-party vendors to transform business requirements and user stories into scalable digital solutions that improve member engagement, self-service adoption, and operational efficiency. This work will be accomplished through a highly collaborative partnership model, empowering the Developer to serve as a strategic partner who actively shapes solutions that align business objectives with member needs, rather than functioning solely as a recipient of requirements.

Key Responsibilities:

• Software Development (50%):

• Application Development & Engineering: Design, develop, prototype, test, deploy, and maintain consumer-facing and business-facing digital banking applications, including responsive web and mobile experiences, scalable backend services, APIs, middleware integrations, and reusable components across digital channels.

• Digital Banking Platform Support: Create technical solutions that support online banking, mobile banking, account opening, lending, payments, financial wellness, chatbots, self-service, personalization, virtual branch (chat and video), and AI-driven member experiences.

• Architecture, Scalability, and SDK Solutions: Design solutions with a focus on long-term architecture, scalability, maintainability, and future readiness across digital banking channels. This includes implementing SDK solutions when appropriate and working with APIs and middleware to support secure, flexible integrations. Work closely with IT infrastructure, cloud, and application SMEs to develop solutions in accordance with established best practices and existing standards.

• API & Integration Development: Design and support RESTful APIs, event-driven integrations, and secure data exchange mechanisms that connect core banking systems, digital banking platforms, loan origination systems, account opening platforms, payment providers, fraud and security systems, CRM solutions, data platforms, and data warehouses. The Developer may also be asked to evaluate the technical aspects of various vendors during evaluations.

• Security, Compliance & Quality: Follow secure software development lifecycle practices, ensure solutions comply with financial services regulations and internal security standards, leverage secrets management, CI/CD pipelines, automated actions, conduct code reviews, unit testing, load testing, regression testing, and vulnerability remediation. Support audits, penetration testing, and compliance initiatives as required.

• Digital Innovation & Collaboration (25%):

• Product & Digital Experience Partnership: Participate in Agile ceremonies and sprint planning, collaborate with Product Owners to transform member needs, create UI/UX mockups, wireframes, research findings, journey maps, and user stories into working digital solutions, and partner with Digital Experience teams to deliver intuitive and accessible member experiences to meet their needs.

• Technical Recommendations and Digital Innovation: Provide recommendations that balance member experience, scalability, security, and speed-to-market; help evaluate emerging technologies, fintech partnerships, and development frameworks; and identify opportunities to automate processes and improve digital self-service capabilities. These recommendations can also be member-facing.

• Operational Support & Documentation (25%):

• Operational Support: Bring strong DevOps understanding, participate in troubleshooting and root-cause analysis for production issues, support system upgrades, platform releases, and vendor enhancements, monitor application health, performance metrics, and usage analytics. Support responsibilities also include troubleshooting incidents.

• Maintain Technical Documentation: Maintain current technical documentation of all developed solutions and follow implementation standards using SDLC-driven best practices. Utilize centralized source code repositories, knowledgebases, YAML files, design documentation, effective version control techniques, and other practices to ensure documentation is kept current through all phases of software delivery.

• Physical Demands: Most of your time will be spent working at a computer, collaborating in meetings, and connecting with colleagues and stakeholders. Occasionally, you may move between workspaces, travel for business,. We're committed to providing reasonable accommodation to support employees in performing the essential responsibilities of the role.

Typical Day in the Role:

• Develop Digital Banking Solutions: Build and enhance front-end, back-end, API, SDK, and middleware components that support online banking, mobile banking, account opening, lending, payments, and self-service experiences.
• Collaborate in Agile Delivery: Participate in sprint planning, standups, backlog refinement, and delivery discussions with Product Owners, Digital Experience, UX, Operations, Lending, Marketing, IT, and vendor partners.
• Translate Member Needs into Solutions: Review user stories, business requirements, journey maps, and research findings, then turn them into scalable technical solutions that reduce friction and improve member engagement.
• Support Integrations and Vendor Implementations: Work with third-party providers and internal teams to support SDK, API, and middleware implementations across digital banking, payments, fraud, security, CRM, and data platforms.
• Test, Review, and Improve Quality: Conduct code reviews, unit testing, regression testing, performance validation, accessibility review, and vulnerability remediation to maintain secure and reliable digital experiences.
• Troubleshoot and Support Production: Investigate production issues, complete root-cause analysis, monitor application health and usage analytics, and support platform releases, system upgrades, and vendor enhancements.
• Document and Future-Proof Solutions: Maintain technical documentation, implementation standards, and reusable development patterns that support long-term scalability, maintainability, and digital banking innovation.

Qualifications: Bachelor's degree in Computer Science, Information Technology, Software Engineering, or a related field preferred; an equivalent combination of education and experience may be considered.

• Experience: 5+ years of full-stack software development experience, including 3+ years developing customer-facing web or mobile applications. Experience within financial services, banking, fintech, or regulated industries is preferred.
• Agile and SDK Experience: Experience working in Agile/Scrum environments and working with SDKs. SDK experience with top digital banking providers such as Q2, Lumin, or Alkami is a plus.
• Front-End Technologies: JavaScript/TypeScript; React, Angular, or Vue.js; HTML5; CSS3; SCSS; responsive and mobile-first design principles.
• Back-End Technologies: C#; .NET/ASP.NET Core; Node.js preferred; microservices architecture.
• Integration and Data: REST APIs; GraphQL preferred; JSON; XML; OAuth; SAML; OpenID Connect; SQL Server; PostgreSQL; cloud-based integrations. Experience in an environment with a large volume of vendor integrations.
• DevOps and Cloud: Azure DevOps or GitHub Actions; CI/CD pipelines; Docker and Kubernetes desired; experience with Microsoft Azure and/or AWS technologies is preferred. Experience with EIP platforms such as MuleSoft or Informatica is a plus.
• Security: Secure coding practices; authentication and authorization technologies; encryption and API security standards; financial services compliance requirements.
• Knowledge, Skills and Abilities: Strong understanding of digital banking and fintech ecosystems; ability to communicate technical concepts to non-technical stakeholders; strong problem-solving and analytical capabilities; excellent collaboration and relationship-building skills; ability to work independently while managing multiple priorities; passion for creating exceptional member experiences; and commitment to continuous learning and innovation.
• Preferred Certifications: Microsoft Azure Developer Associate, AWS Certified Developer, Certified Scrum Developer (CSD), Certified Kubernetes Application Developer (CKAD), CompTIA Security+, Certified Secure Software Lifecycle Professional (CSSLP), and Certified API Security Professional (CAPS).

What Success Looks Like:

• Increases Digital Feature Adoption: Builds solutions that make it easier for members to use digital banking features and complete tasks through self-service channels.
• Strong Communication: The ability to convey technical information in a simple way.
• Maintains System Uptime and Reliability: Supports stable, available, and high-performing digital experiences across online banking, mobile banking, account opening, lending, payments, and related platforms.
• Delivers Against Sprint Commitments: Completes high-quality work in alignment with Agile delivery expectations, sprint goals, release plans, and business priorities.
• Improves Digital Member Satisfaction: Contributes to digital experiences that improve satisfaction scores, reduce member friction, and lower support call volume. Push APGFCU to the top quartile in overall satisfaction, net promoter score and member effort score.
• Delivers High-Quality Integrations: Creates secure, scalable, and maintainable integrations with core systems, digital banking platforms, fintech providers, payment networks, CRM solutions, and data platforms.
• Improves Release Effectiveness: Supports faster, safer, and more reliable deployment practices through DevOps understanding, CI/CD support, documentation, and testing discipline.
• Maintains Security and Compliance Performance: Follows secure development practices, supports audits and testing, remediates vulnerabilities, and ensures solutions align with financial services regulations and internal security standards.
• Creates Meaningful Member Engagement: Delivers solutions that improve engagement, strengthen self-service capabilities, and create value for members, employees, and APGFCU. This included measures such as active users and average logins per month.

Compensation: $103,000 - $175,200 annually

Offers are based on experience and education.

APGFCU provides comprehensive benefits such as medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.

Equal Opportunity Employer:

APGFCU is proud to be an Equal Opportunity and Affirmative Action employer. We are committed to creating a workplace where everyone feels welcome and supported. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, or any other protected status under applicable federal, state, or local law. If an accommodation is needed during the hiring process, please email HR@apgfcu.com.

Employment with APGFCU is at-will, meaning that either you or APGFCU may terminate the employment relationship at any time, with or without cause or notice.

APGFCU participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You can view the details by clicking here or returning to the careers homepage.

APGFCU participa en E-Verify y proporcionará al gobierno federal la información de su Formulario I-9 para confirmar que usted está autorizado para trabajar en los EE.UU.. Puede ver los detalles haciendo clic aquí o regresando a la página de inicio de carreras profesionales.