Sr. Principal Engineer / Architect (Fraud Prevention Technology)

Principal Engineer / Architect (Fraud Prevention Technology) Location: (PA / NC / TX / AZ) - Hybrid required Work Authorization: U.S. Citizen or Green Card Holder Employment type: W2 Role Overview The ideal candidate brings deep industry experience in banking, payments, or financial services , with strong architectural leadership and comfort operating hands on while influencing senior stakeholders. Qualifications 12+ years in software engineering, including 5+ years in fraud prevention, payments, or banking technology.

Job Title: Sr. Principal Engineer / Architect (Fraud Prevention Technology)Location: (PA / NC / TX / AZ) - Hybrid requiredWork Authorization:U.S. Citizen or Green Card Holder Employment type: W2Role Overview The ideal candidate brings deep industry experience in banking, payments, or financial services, with strong architectural leadership and comfort operating hands on while influencing senior stakeholders. Key Responsibilities

• Define the technical vision and multi year roadmap for fraud prevention across new and existing product lines.
• Architect real time detection, decisioning, and response systems capable of scaling to Vanguard's transaction volumes.
• Drive adoption of AI/ML enabled development practices and embed intelligent automation into fraud operations.
• Serve as the technical authority on fraud risk for new product launches (payments, debit, etc.).
• Lead by example: write production code, conduct design reviews, and establish engineering standards.
• Partner with product, risk, compliance, and data science teams to translate fraud strategy into executable architecture.
• Mentor engineers and elevate team capabilities without formal management responsibility.

Qualifications

• 12+ years in software engineering, including 5+ years in fraud prevention, payments, or banking technology.
• Deep expertise in payment networks, transaction monitoring, authorization systems, or identity verification.
• Proven experience architecting distributed, low latency systems in regulated financial environments.
• Strong fluency in applied AI/ML, including model integration, LLM augmented tooling, and intelligent automation.
• Demonstrated ability to define and execute technical strategy at the staff/principal/architect level.
• Comfortable operating as a hands on engineer while influencing senior management.
• Knowledge of industry standards and regulations: PCI DSS, BSA/AML, Reg E, network rules.

Preferred Experience

• Background at a large asset manager, bank, or fintech expanding into new payment products.
• Familiarity with real time streaming architectures (Kafka, Flink) and decisioning engines.
• Experience in adversarial modeling or fraud ring detection.
• AWS based environments; comfort across mainstream technologies (language agnostic).

Strategic Context:

• Preparing technology and processes for debit related fraud challenges
• Scaling fraud capabilities to meet rising business demand
• Designing the future state fraud platform and long term strategy
• Collaborating across fraud, product, and business teams to ensure readiness for new offerings