First Citizens Bank offers a full line of financial services and focuses on individuals, as well as small to medium-sized businesses. As an employer, the compan
Principal Software Engineer - CIAM and Fraud
Location
United States
Posted
2 days ago
Salary
$165K - $195K / year
Seniority
Lead
Job Description
Principal Software Engineer - CIAM and Fraud
First Citizens Bank
Role Description This is a remote role that may be hired in several markets across the United States. At First Citizens Bank we’re in the midst of a bold digital transformation—simplifying, consolidating, and modernizing the way we serve our customers. This is not business-as-usual. We’re reimagining our digital banking platform from the ground up—rethinking how channels connect, how technology supports growth, and how teams collaborate to deliver with speed and purpose. The CIAM & Fraud Principal Software Engineer is the senior-most hands-on engineering authority for customer identity and fraud technology built on the Okta platform. The role ensures that digital banking journeys are secure, resilient, and fraud-aware, while maintaining a low-friction customer experience. - Own engineering integrity and technical decision-making for CIAM and Fraud platforms. - Ensure Okta-based identity solutions balance customer experience, fraud prevention, security, and scalability. - Influence platform roadmaps and priorities through deep domain expertise. - Act as a critical control point for high-risk changes impacting customers and regulatory outcomes. - Serve as the engineering authority for Customer facing Okta Customer Identity Cloud implementations. - Define and maintain CIAM and Fraud specific engineering standards, patterns, and reference implementations. - Lead complex engineering initiatives including: - OAuth2 / OIDC authentication and token lifecycle management - Okta Identity Engine adaptive and risk-based authentication - MFA step-up for high-risk transactions - Integration of fraud and behavioral risk signals - Lead resolution of severe production incidents and security vulnerabilities. - Partner with Architecture, Security, Fraud, and Delivery leadership to ensure alignment. Qualifications - Bachelor's Degree and 10 years of experience in Software application development and maintenance OR High School Diploma or GED and 14 years of experience in Software application development and maintenance. - Principal or Staff-level engineering experience. - Deep hands-on expertise with Okta CIAM. - Strong experience in banking or regulated financial services. - Proven delivery of secure, customer-facing platforms at scale. - Minimum 5-8 years experience with at least one major programming language (e.g. Java, Python, Go, etc.). - Strong understanding of fraud prevention, risk-based authentication, and secure digital journeys. - Experience working within agile, product-aligned delivery models. - Familiarity with regulatory, audit, and operational risk expectations. - Strong CIAM and fraud-aware identity design expertise. - Deep understanding of Okta architecture and configuration concepts. - OAuth 2.0, OpenID Connect, SAML. - Fraud signal integration and risk-based decisioning. - Strong understanding of REST APIs, event-driven architectures. - Experience of Cloud platforms (AWS, Azure, GCP). Benefits - The base pay for this position is generally between $165,000 and $195,000. - Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. - For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. - More information can be found at First Citizens Bank Benefits .
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