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Lead Cloud Software Developer - (AWS / AI / Real Time Payment Systems)
BMO
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BMO

Lead Cloud Software Developer - (AWS / AI / Real Time Payment Systems)

Toronto, ON, Canada
BMOPLACE, Canada

$70,000.00 - $150,000.00 · Full-time

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Job details

Pay: $70,000.00 - $150,000.00
Job type: Full-time
Apply by: Nov 16, 2026
Posting language: English
Posted: Oct 27, 2026

Original job description

Application Deadline:

11/15/2026

Address:

33 Dundas Street West

Job Family Group:

Technology

Role Overview
We are seeking an experienced Lead Cloud Software Developer to design, build, and support secure, scalable, highly available, and resilient real-time payment systems. The ideal candidate will bring deep expertise in AWS serverless technologies, event-driven architecture, cloud-native application development, and GitHub-based DevOps practices.

Primary Focus
This role is responsible for delivering mission-critical solutions across real-time payment networks and modern banking ecosystems, including:

Real-Time Payments (RTP)
Open Banking integrations
ISO 20022-based payment ecosystems

Core Capabilities
The position requires a strong understanding of distributed systems, cloud architecture, API development, CI/CD automation, security, resiliency, and operational excellence within a regulated financial services environment.

Drives the overall software development lifecycle including working across functional teams to transform requirements into features, managing development teams and processes, and conducting software testing and maintenance. Specific project areas of focus includes translating user requirements into technical specifications, writing code and managing the preparation of design specifications. Supports system design, provides advice on security requirements and debugs business systems and service applications. Applies deep knowledge of algorithms, data structures and programming languages to develop high quality technology applications and services - including tools, standards, and relevant software platforms based on business requirements.

Translates user needs into technical specifications by understanding, conceptualizing, and facilitating technical requirements from user.
Analyzes, develops, tests, and implements new software programs, and documentation of entire software development life cycle execution.
Performs preventative and corrective maintenance, troubleshooting and fault rectification of system and core software components.
Ensures that code/configurations adhere to the security, logging, error handling, and performance standards and non-functional requirements.
Evaluates new technologies for fit with the program/system/eco-system and the associated upstream and downstream impacts on process, data, and risk.
Follows release management processes and standards and applies version controls.
Assists in interpreting and documentation of client requirements.
Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
Provides specialized consulting, analytical and technical support.
Exercises judgment to identify, diagnose, and solve problems within given rules.
Works independently and regularly handles non-routine situations.
Broader work or accountabilities may be assigned as needed.
Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Key Responsibilities

Cloud Native Development

Design and develop cloud-native applications using AWS Serverless services.

Build event-driven, loosely coupled microservices supporting real-time payment processing.

Implement secure REST APIs and asynchronous messaging solutions.

Develop highly resilient payment services with sub-second processing requirements.

Optimize application performance, scalability, and reliability.

AWS Serverless Engineering

Develop solutions using:

AWS Lambda

Amazon API Gateway

AWS EventBridge

Amazon SQS

Amazon SNS

AWS Step Functions

Amazon DynamoDB

Amazon Aurora PostgreSQL

AWS CloudWatch

AWS Secrets Manager

AWS Systems Manager Parameter Store

AWS KMS

AWS WAF

Real-Time Payments

Develop integrations for RTP, SWIFT, ACH, and ISO 20022 payment processing.

Implement payment orchestration and transaction lifecycle management.

Design solutions supporting:

High availability

Active-active architectures

Fault tolerance

Disaster recovery

Regulatory compliance

DevOps & GitHub

Implement CI/CD pipelines using GitHub Actions.

Build Infrastructure as Code (IaC) using AWS CDK.

Automate testing, deployment, monitoring, and rollback processes.

Manage source code repositories, branch strategies, pull requests, and release governance.

Operational Excellence

Participate in production support and incident resolution.

Conduct root cause analysis and problem management activities.

Implement observability using logs, metrics, traces, and dashboards.

Support chaos engineering and resiliency testing initiatives.

Required Experience

5-7+ years of software development and relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

3+ years of AWS cloud development experience.

2+ years of serverless architecture experience.

Experience working within financial services, payments, fintech, or banking.

Experience building event-driven architectures and distributed systems.

Experience with mission-critical, high-volume transaction systems.

Required Technical Skills

AWS Services

Compute & Integration

AWS Lambda

API Gateway

EventBridge

Step Functions

Data Services

DynamoDB

ElastiCache Redis

Security

AWS IAM

Secrets Manager

Monitoring

CloudWatch

X-Ray

OpenTelemetry

Development Skills

Languages

Python

TypeScript

Node.js

API Development

REST APIs

OpenAPI / Swagger

OAuth2

Microservices

Databases

DynamoDB

NoSQL Design

SQL Optimization

GitHub & DevOps

Required experience with:

GitHub Enterprise

GitHub Actions

GitHub Copilot

Branch Protection Policies

Pull Request Reviews

CI/CD Automation

Infrastructure as Code

AWS CDK

Recommended AI Skills (Preferred)

Candidates with AI-assisted development experience will be highly preferred.

Generative AI Development

Experience with:

GitHub Copilot

OpenAI APIs

AWS Bedrock

Prompt Engineering

AI-Assisted Engineering

AI-powered code generation

AI-assisted unit test creation

Code review automation

Documentation generation

Technical design generation

DevOps automation using AI

AI Platform Knowledge

Understanding of:

Amazon Bedrock

AI Security and Governance

AI Use Cases

Experience implementing:

Intelligent Payment Operations

Incident Root Cause Analysis

Log Analysis using AI

Fraud Detection Support

Application Support Chatbots

Knowledge Management Solutions

Preferred Experience

Real-Time Payments (RTP)

ISO 20022

Open Banking APIs
Payment Hub Platforms
Banking Domain Knowledge
PCI-DSS Compliance

Resiliency & Chaos Engineering

Key Success Factors

The ideal candidate will demonstrate:

Strong cloud-native engineering skills

Deep serverless architecture expertise

Payments domain experience

Excellent GitHub and DevOps practices

AI-assisted development capabilities

Security-first mindset

Strong problem-solving skills

Ability to work in high-availability, mission-critical environments

Certifications

AWS

AWS Certified Developer Associate (Required)

AWS Certified Solutions Architect Associate/Professional (Recommended)

AWS Certified DevOps Engineer Professional (Recommended)

GitHub

GitHub Foundations (Required)

GitHub Actions Certification (Recommended)

AI Certifications

AWS Certified AI Practitioner (Required)

Salary:

$70,000.00 - $150,000.00

Pay Type:

Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

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More about this job

Responsibilities

The Lead Cloud Software Developer will design and build secure, scalable, and resilient real-time payment systems using AWS serverless technologies. This role involves managing the software development lifecycle, implementing CI/CD pipelines, and ensuring operational excellence within a regulated financial environment.

Requirements

Candidates must have 5-7+ years of software development experience, including at least 3 years in AWS cloud development and 2 years in serverless architecture. A post-secondary degree in a related field is required, along with proficiency in distributed systems and financial services domain knowledge.

Skills

AWS
Serverless architecture
Real-time payments
GitHub Actions
Infrastructure as Code
Python
TypeScript
Node.js
Microservices
API development
ISO 20022
Distributed systems
CI/CD automation
Cloud-native development
DynamoDB
PostgreSQL

Benefits

Health insurance
Tuition reimbursement
Accident and life insurance
Retirement savings plans
Performance-based incentives
Discretionary bonuses

Visa sponsorship

Not detected in the job text

Keywords

AWS Lambda
API Gateway
Event-driven architecture
GitHub
AWS CDK
ISO 20022
RTP
Open Banking
Microservices
REST APIs
DynamoDB
PostgreSQL
CI/CD
DevOps
Cloud-native
Financial services
Fintech
AWS Certified Developer Associate
Generative AI
Amazon Bedrock
Chaos engineering
Observability
Payment orchestration
Security
Resiliency
Scalability
Infrastructure as Code
Python
TypeScript

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