American Express

Staff Software Engineer

Posted On

Feb. 3, 2026

Location

Chennai, Tamil Nadu

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

March 1, 2026

Job Description

At American Express, our culture is built on a 175-year history of innovation, shared At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

About The Team:

The Service Enablement Platform (SEP) team is responsible for multiple critical platforms that enable the servicing across all channels at American Express. This includes Case Platforms that are used for Global Disputes Management, Fraud Servicing, Credit, Collections and Back-Office Case processing besides Global Card Issuance and Automation.

From creating next-generation applications and microservices to leveraging AI, you could be doing transformational work that brings our iconic, global brand into the future. At American Express, card issuance is at very heart of our business. Card Issuance and Payment Devices platforms supports issuance of American Express cards and manage payment device activities which directly powers our growth, customer relationship and brand promise.

American Express is making continuous investments for building and scaling these platforms with security, resilience and innovation to meet our growth agenda and maintain trust, loyalty and premium experience for our customers. We are looking for strong leaders and engineers to be part of high energy and efficient teams that will bring our mission to life.

The Role:

The Service Enablement Platform (SEP) team is seeking a Staff Engineer for driving transformation across its multiple platforms. As a Staff Engineer, you will be a hands-on engineer building highly available, scalable and secure distributed system on the cloud that supports the company's long-term strategy and vision. Your primary responsibility is design and drive next generation modernization of platforms supporting Amex card issuance & payment services, Dispute & Fraud Servicing, Automation and Credit & Collection Platforms. Staff Engineers in American Express is an individual contributor role and is at the same level as a Director of Engineering.

Responsibilities:

You will be responsible to architect and own coordination across multiple platforms across the portfolio, ensuring scalability, resiliency, and compliance with global standards.
Build high level design as well as detailed design of complex subsystems with emphasis in high availability and low latency.
Working with developers in day to day activities and helping in review of design, coding and the SDLC tasks.
Build POCs to experiment new technologies, databases and other application infrastructure.
You will constantly pursue and learn industry leading/innovative technologies and solutions. Be acutely aware of enabling technologies and open-source products to build low latency distributed systems.
Drive a culture of innovation and experimentation, in new form factors (wearables, embedded devices) and secure payment technologies.
Provide technical consulting support to Global Product teams and regional stakeholders for secure product rollouts
Partner with risk, compliance, and cybersecurity teams to ensure solutions meet evolving regulatory and security requirements.
Work with peers, Principal Engineers and Principal Architects to assimilate new technology and delivery methods into scalable software solutions, using and contributing to engineering best practices across the company

Qualifications:

You have Computer Science / Information Systems degree, or equivalent with at-least 10+ years of work experience.
Strong implementation experience using languages like GoLang or Java. Keen understanding of how to build highly performance systems with such languages.Experience building intelligent solutions leveraging GenAI and other modern tech stacks.
Strong knowledge of cryptography algorithms (DES, AES, ECC, RSA).
Hands-on experience with Hardware Security Modules (HSMs) and Key Management Systems (KMS) is desirable.
Familiarity with EMVCo and Global Platform specifications is a plus.
Understanding of ISO 7816 and ISO 14443 standards.
Knowledge of PCI technology and transaction processing
Experience with mobile wallet integration (Apple Pay, Google Pay, Samsung Pay) and Wearable/IoT payment devices will be a plus
Have built and delivered large scale enterprise systems/products. Implemented critical aspects of such systems and have supported such applications in production as SAS service.
Keen awareness of concerns in massively distributed systems and effective solutions.
Experience working in DevOps teams and Scrums.
Ability to learn and deep dive into new technology and business domains, question status quo and think outside of the box.
Have excellent written and verbal communications skills. Create and deliver effective presentations to Senior Leadership.
Ability to partner and influence effectively across multiple business and functional lines, up to and including technology leadership team and business leadership team
Exceptional leadership skills to inspire and support a diverse and inclusive team of industry-leading internal and external talent.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

Competitive base salaries
Bonus incentives
Support for financial-well-being and retirement
Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
Generous paid parental leave policies (depending on your location)
Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
Free and confidential counseling support through our Healthy Minds program
Career development and training opportunities

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

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