Pay range: USD $179,000.00 - $219,000.00 / Year
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).

Position Overview:

Schwab Technology Services (STS) Research & Development team is responsible for exploring innovative technologies and identifying ways that organizations throughout Schwab might benefit from their application.

We are seeking a new member of Schwab's Research & Development team with experience in blockchain and digital assets, while also possessing a strong foundation in general software development and architecture. A key area of exploration will include crypto wallet capabilities-such as security, infrastructure, and usability-given their growing relevance to the future of digital finance. In addition, the candidate may also contribute to other R&D initiatives, including in areas like AI/ML/GenAI, Spatial Computing, Cloud Native Design, or Digital Trust.

This role is perfect for someone who thrives on innovation, brings a strong architectural mindset, enjoys solving complex technical challenges, and wants to shape the future of financial services technology.

Key Responsibilities:

• Act as a technical thought leader, driving innovation across multiple R&D initiatives through development of proof-of-concepts.
• Clearly explain complex technical ideas to business partners in a way that helps them understand the impact and possibilities, bridging the gap between tech and strategy.
• Design and prototype solutions for wallet infrastructure, private key management, multi-signature and threshold cryptography, and integration with traditional financial systems.
• Evaluate different blockchain architectures, smart contract frameworks, and tokenization methodologies to assess their applicability to our business.
• Stay at the forefront of blockchain innovation, identifying new opportunities in digital identity, decentralized finance (De Fi), tokenized securities, and interoperability.
• Contribute to the company's blockchain and digital assets strategy through whitepapers, presentations, and internal education initiatives.
• Engage with industry consortia, regulators, and technology partners to understand emerging trends and best practices.
• Support other R&D initiatives in areas like AI/ML, cloud-native application design, spatial computing, and digital identity/trust, contributing architectural insight and cross-domain thinking.

What you have Required Qualifications:

• 10+ years progressive software development & engineering experience, building technical skills across a breadth of technologies
• 3+ years of experience in blockchain development, crypto asset management, or related fields.
• Strong understanding of blockchain architectures (Bitcoin, Ethereum, Solana, Layer 2 solutions) and crypto wallet infrastructure.
• A secondary skillset in one or more emerging technology area outside of crypto technology: e.g. AI/ML/GenAI, Spatial Computing, Cloud Native Design, Digital Trust.
• Experience in working with secure wallet solutions, including key management (MPC, HSMs, cold storage, custodial vs. non-custodial models).
• Familiarity with tokenization of assets, including securities, stablecoins, and smart contracts (ERC-20, ERC-721, ERC-1155, etc.).
• Proficiency in multiple programming languages such as Solidity, Rust, Python, Go, or Java.
• Experience with cryptographic protocols, De Fi applications, and blockchain interoperability solutions.
• Strong analytical skills and ability to translate research findings into real-world applications.

Preferred Qualifications:

• Full-stack product development experience.
• Experience within fintech, financial institutions, or technology-driven R&D teams.
• Knowledge of regulatory and compliance frameworks related to digital assets (SEC, FINRA, AML/KYC, MiCA).
• Prior experience working at a financial institution, fintech, or blockchain startup.
• Hands-on experience with Zero-Knowledge Proofs (ZKPs), Decentralized Identity (DID), or Central Bank Digital Currencies (CBDCs).
• Understanding of financial services infrastructure, including payments, settlements, and capital markets.

In addition to the salary 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