Software Engineer - Future Financial Services at Charles Schwab

Pay range:

USD $43.27 - $59.62 / Hour

Your opportunity

At Schwab, you're empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us "challenge the status quo" and transform the finance industry together.

We Believe in the importance of in-office collaboration and fully intend for the selected candidate for this role to work on site in the specified location(s).

Applicants must be currently authorized to work in the United States on a full-time basis without employer sponsorship.

Schwab Technology Services (STS) enables the future of how clients manage their money by providing innovative and reliable technological products and services as a part of our ongoing commitment to democratize access to investing and financial planning. Schwab Asset Management Solutions (SAMS) Technology is part of the STS organization which is responsible for the company's use of information technology including all telecommunications, operations and client and business applications.

SAMS Technology is aligned to support the technology needs of SAMS which is the investment advisor for Schwab's proprietary mutual funds, referred to as the Schwab Funds; and it includes Schwab's exchange-traded funds, referred to as the Schwab ETFs™.

What you'll do:

As a Software Engineer, you will be responsible for delivering high quality solutions that meet business objectives in a flexible, collaborative, and rapidly changing delivery environment. The ideal candidate will be a highly motivated, organized, and experienced technologist with experience in building applications using Artificial Intelligence tools and capabilities. The candidate will work as part of a team building next generation of applications that will power the future of Investment Management, Capital Markets and Trading.

Software Engineer Responsibilities:

Design and build financial applications and services for the future in an Agile Scrum team.

• Contribute to technical decisions on the future of technology and financial products.
• Hands-on development, writing production-quality code, prompts, evaluation scripts, and integration components.
• Design and implement secure solutions leveraging AI tools and frameworks.
• Develop reusable foundational components, such as prompt frameworks and reusable templates, orchestration layers and guardrails, validation, and output verification layers.
• Optimize model usage for cost, latency, reliability, and scalability.
• Implement human-in-the-loop validation and structured feedback capture mechanisms.
• Diagnose failures related to prompts, retrieval pipelines, integrations, and model behavior.
• Drive automation of repetitive AI workflows and development processes.
• Design systems that enhance internal productivity and improve user and business partner experiences through reliability, transparency, and measurable value delivery.

What you have Required Qualifications:

• Bachelor's degree in Computer Science, Computer Engineering, Data Science, Financial Engineering, or equivalent experience.
• Ability to translate emerging AI capabilities into structured, repeatable SDLC practices.
• Proficiency in Python or any object-oriented design technologies.
• Ability to independently prototype, evaluate, and iterate on solutions in ambiguous problem spaces.
• Excellent oral and written communication, presentation, and facilitation skills.
• Strong analytical and problem-solving skills.

Preferred Qualifications:

• Master's degree in Computer Science, Computer Engineering, Data Science, Financial Engineering, or related field.
• Experience with Gurobi, or optimization algorithms is highly preferred.
• Experience with GitHub, GitHub actions for Dev Sec Ops, and Atlassian suite of products (Confluence, JIRA, Bamboo) is preferred.
• Experience with LLMs and prompt engineering and structured output techniques for software development.
• Experience with Cloud Platforms.
• Experience with Test-Driven Development (TDD) & Behavior-Driven Development (BDD) is a plus.
• Financial Services Industry experience with exposure to Fixed Income portfolio management and trading processing including separately managed business workflows.

In addition to the base pay range, this role is also eligible for bonus or incentive opportunities.

What's in it for you

At Schwab, you're empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration-so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you - both today and in the future:

• 401(k) with company match and Employee stock purchase plan
• Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions
• Paid parental leave and family building benefits
• Tuition reimbursement
• Health, dental, and vision insurance