Principal Software Engineer (US)

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $148,720 - $240,240 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Technology Solutions Job Description: The Principal Software Engineer provides technical expertise with a focus on bank and industry-wide solutions that address capability gaps to create significant value for customers. This role implements solutions, ensuring efficiency, reliability, scalability, and security; includes planning, evaluating, recommending, designing, operationalizing, and supporting solutions in an industry-leading manner. This role provides deep technical leadership, sets direction in developing and implementing solutions to address the Platform or Journey's emerging business needs and strategies. This role advances the overall design, architecture, and technology capabilities in accordance with industry developments. This role teaches, mentors, and coaches others. Additionally, advocates for others to make sure their work is recognized. Depth & Scope: Leading authority on Software engineering concepts, principals, practices and standards Thought leader on IT risk-based approaches to Software engineering and on other domains in technology control / information security fields Sets the direction and oversees the work of other Software Engineering professionals on complex, highly-visible projects of significant profile, strategic importance, and enterprise impact to the bank Establishes and leads Software engineering working groups to achieve goals that impact multiple Journeys and Platform Provides consultative and strategic guidance to executive leadership Engineering specialist assigned to work autonomously on high profile, complex and high-risk technology initiatives with significant impact to the organization Has a blend of skills in Software engineering, architecture, solutions architecture, application security and coding Primarily works at the enterprise level Education & Experience: Undergraduate degree, Post Graduate degree or Technical Certificate Strong academic background (e.g., computer science, engineering) Graduate degree nice to have 15 years relevant experience Customer Accountabilities: Is responsible for advancing the software engineering practices through processes and tools, setting development and design standards at business unit and/or enterprise level Executes on Engineering strategy as it relates to the introduction of tools and the automation of build, test, release and configure activities across Application, Platform and Infrastructure Leads the creation of solution options and ultimately a comprehensive end-to-end solution and coordinate relevant stakeholders, as required to support development initiatives; following a "build it, break it, fix it mentality". Is responsible for developing and documenting detailed solution design and acts as an application SME through the design and development lifecycle ensuring alignment with Architecture Is accountable for complex applications/ systems development, programming / coding Develops functional, technical and user interface designs for an application / system that meets the defined requirements (business, enterprise architecture direction, system performance and development standards) Consults on development of requirements and specifications and applies functional knowledge of business functions to design optimal software / systems Reviews technical deliverables throughout detailed design and development phase to ensure quality adherence and identify gaps or redesign requirements as needed Identifies, recommends, sources, negotiates and implements improvements/ solutions (buy/build/reuse) to enhance customer experience, availability, and/or reduce cost in support of client needs Works with Technology partners to define metrics and performance goals for the application Identifies and addresses application and data issues and cross-capability and cross-release issues that affect application integrity Researches/ analyzes business requirements to evaluate and recommend optimal solutions within business technology architecture; collects environment requirements for infrastructure implementation by analyzing the current system environment, using technical tools and utilities Works with Architects to ensure that environment modifications interact appropriately, data conversion impacts are considered, and other areas of impact are addressed and meet performance requirements of the project Contributes to the advancement of the TD engineering practice through strong collaboration, research, analytic, and problem-solving skills Shareholder Accountabilities: Adheres to enterprise frameworks or methodologies that relate to software engineering activities Ensures respective programs/ policies/practices are well managed, meets business needs, complies with internal and external requirements, and aligns with business priorities Collaboratively engages with relevant stakeholders at all levels, both internal and external, to shift from finding defects to proactively preventing defects Actively seeks and supports continuous improvement and automation opportunities within the engineering practice Conducts meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness of programs/ policies/ practices Identify opportunities to minimize cost, provide recommendations and/or deliver corresponding strategic solutions to support cost effectiveness and to enhance stakeholder experience Conducts code reviews to ensure adherence to quality, standards compliance, reusability and ease of maintenance, Operational Readiness Reviews, and supporting gating and review sign-offs for solution design Monitors service, productivity and assesses efficiency levels within own function and implement continuous process / performance improvements where opportunities exists Leads / facilitates and/or implements actions / remediation plans to address performance / risk /governance issues Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements Protects the interests of the organization – identifies and manage risks, and escalates non-standard, high risk activities as necessary Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Employee/Team Accountabilities: Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest Provides thought leadership and/ or industry knowledge for quality engineering best practices and participates in knowledge transfer within the team and business unit Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques Participates in personal performance management and development activities, including cross training within own team Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities Actively mentors and enables team members by sharing knowledge and leveraging engineering best practices Supports the team by providing guidance and proactively identifying and resolving issues Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships Contributes to a fair, positive and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Preferred Qualifications: 15+ years of progressive software engineering experience , including at least 7 years in senior technical leadership, architecture, or enterprise-scale engineering transformation roles within complex, highly regulated environments, preferably financial services. Deep hands-on engineering expertise , with demonstrated ability to dive into complex codebases, troubleshoot critical production incidents, perform root-cause analysis, and lead technical remediation during high-severity situations. Must demonstrate technical depth beyond traditional people management. 10+ years of experience driving SDLC and PDLC transformation , including Agile/SAFe, DevSecOps, CI/CD, engineering productivity, developer experience, quality engineering, and release automation. Proven ability to identify systemic delivery bottlenecks and deliver measurable improvements in engineering throughput, quality, and predictability. Strong command of software architecture fundamentals and first-principles thinking , with at least 8 years of experience designing or modernizing distributed systems, cloud-native platforms, microservices, APIs, event-driven architectures, and highly resilient, scalable applications. Demonstrated ability to make complex architectural trade-offs. 5+ years of experience in platform engineering , including designing and building enterprise-scale internal developer platforms, reusable engineering services, developer self-service capabilities, environment management, infrastructure automation, and performance engineering solutions adopted across multiple engineering organizations. 3+ years of practical experience applying AI/ML and Generative AI to software engineering , including hands-on implementation of AI-assisted development, agentic AI workflows, intelligent test generation, code modernization, automated code reviews, and AI-driven engineering productivity solutions. Must demonstrate measurable business outcomes from production implementations rather than experimentation alone. Demonstrated proficiency in modern engineering technologies , including Java or Python, cloud platforms, containerization, Kubernetes, microservices, REST APIs, CI/CD frameworks, and infrastructure as code. Ability to review code, evaluate architectural decisions, and guide implementation of technically complex solutions. Proven track record of leading enterprise-scale engineering modernization initiatives , translating ambiguous business and technology challenges into executable engineering strategies, scalable platforms, and measurable improvements in reliability, developer productivity, time to market, and total cost of ownership. Strong expertise in production engineering and operational resilience , including SRE practices, observability, SLOs/SLIs, distributed tracing, performance optimization, incident management, and automated recovery. Experience building systems with stringent availability, scalability, and regulatory requirements. Demonstrated ability to influence enterprise technology strategy while remaining technically hands-on , challenging established engineering practices, driving architectural decisions, and delivering cross-functional transformation across product, engineering, infrastructure, security, and operations teams. AI-native SDLC transformation: Experience designing and operationalizing AI-native engineering workflows across the entire software delivery lifecycle, including requirements engineering, architecture, coding, testing, deployment, and production operations, with measurable improvements in productivity, quality, and cycle time. Enterprise-scale adoption: Proven experience building and scaling engineering platforms, automation frameworks, or AI-powered solutions adopted by 500+ engineers or 100+ applications, demonstrating the ability to move beyond proofs of concept to sustained enterprise adoption. Engineering economics and value realization: Demonstrated ability to establish engineering effectiveness metrics such as DORA, flow efficiency, change failure rate, MTTR, developer productivity, and AI return on investment, and translate improvements into quantifiable financial and business outcomes. Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected] . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.