Application Deadline: 10/11/2026 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 Git Hub-based Dev Ops 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 robust 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 Event Bridge Amazon SQS Amazon SNS AWS Step Functions Amazon Dynamo DB Amazon Aurora Postgre SQL AWS Cloud Watch 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 Dev Ops & Git Hub Implement CI/CD pipelines using Git Hub Actions. Build Infrastructure as Code (Ia C) 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 Event Bridge SNS SQS Step Functions Data Services Dynamo DB Elasti Cache Redis Security AWS IAM KMS Secrets Manager Monitoring Cloud Watch X-Ray Open Telemetry Development Skills Languages Python Type Script Node.js API Development REST APIs Open API / Swagger OAuth2 JWT Microservices Databases Dynamo DB No SQL Design SQL Optimization Git Hub & Dev Ops Required experience with: Git Hub Enterprise Git Hub Actions Git Hub 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: Git Hub Copilot Open AI 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 Dev Ops 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 Git Hub and Dev Ops 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 Dev Ops Engineer Professional (Recommended) . click apply for full job details

📌 Lead cloud software developer - (aws / ai / real time payment systems) (Toronto)
🏢 BMO Financial
📍 Toronto