Job Description

Sr Software Engineer (Mainframe / COBOL)

Powering the world's payments ecosystem

ACI powers the payments ecosystem globally, and you power ACI. You'll innovate, collaborate, and grow in an energetic technology culture with decades of proven success. ACIers at every level are empowered to make a meaningful impact while working on solutions that process billions of transactions worldwide.

As a Sr Software Engineer in Bangalore, you will join a diverse and passionate engineering team responsible for delivering highly reliable card and merchant payment solutions that serve financial institutions across the globe.

ACI Worldwide is seeking an experienced Sr Software Engineer with strong Mainframe and COBOL development expertise to join our Card & Merchant Management (CMM) engineering team. This role focuses on designing, developing, enhancing, and supporting mission-critical payment processing applications used by leading financial institutions worldwide.

The ideal candidate brings deep expertise in COBOL-based development, strong analytical problem-solving skills, experience in high-volume transaction processing environments, and a passion for adopting AI-powered engineering practices to improve quality, productivity, and operational excellence.

A Typical Day at ACI

• Design, develop, test, and maintain high-quality software solutions supporting ACI's card payment platforms.
• Develop and support applications utilizing COBOL, JCL, DB2, and VSAM on IBM Mainframe environments.
• Participate in architecture reviews, technical design discussions, and code reviews to ensure engineering excellence.
• Develop and execute automated unit, integration, and regression tests to ensure product quality.
• Investigate, troubleshoot, and resolve customer-reported defects and production incidents.
• Collaborate closely with Product Management, Professional Services, Customer Support, and Engineering teams.
• Create and maintain technical documentation, solution designs, and engineering specifications.
• Participate in Agile ceremonies including sprint planning, estimation, daily standups, reviews, and retrospectives.
• Drive continuous improvement initiatives focused on performance, resiliency, maintainability, and operational excellence.
• Leverage AI-assisted engineering tools such as GitHub Copilot, ChatGPT, Claude, or similar technologies to enhance software development productivity and quality.
• Perform other duties as assigned.
• Understand and adhere to all corporate policies including the ACI Code of Business Conduct and Ethics.

Knowledge, Skills & Experience Needed to Succeed

• Bachelor's degree in Computer Science, Information Technology, Engineering, or related discipline, or equivalent professional experience.
• Minimum 8+ years of software development experience
• Strong expertise in COBOL, JCL, and DB2 development
• Hands-on experience with IBM Mainframe technologies
• Experience developing and supporting high-volume transaction processing systems.
• Experience using AI-powered development tools (GitHub Copilot, ChatGPT, Claude, Cursor, or similar) to improve engineering productivity, code quality, testing, and problem-solving.
• Ability to effectively apply AI solutions to software development, automated testing, troubleshooting, documentation, and operational workflows.
• Experience with source code management tools such as Git.
• Strong debugging, analytical, and problem-solving skills.
• Experience working within Agile software development methodologies.
• Excellent verbal and written communication skills.
• Ability to work independently while collaborating effectively within global cross-functional teams.

Preferred Knowledge, Skills & Experience

• Experience within the payments industry supporting Visa, Mastercard, Discover, AMEX, JCB, or other card payment networks.
• Knowledge of card issuing, acquiring, authorization, clearing, settlement, or interchange processing.
• Experience with Unix/Linux administration and shell scripting.
• Java development experience.
• Strong working knowledge of VSAM.
• Experience supporting mission-critical, high-availability transaction processing environments.
• Experience driving performance engineering, resiliency, and operational excellence initiatives.
• Exposure to cloud-hosted payment platforms and modernization of legacy enterprise applications.
• Experience working within regulated financial services environments.
• Familiarity with DevOps practices, CI/CD pipelines, and automation frameworks.

Core Capabilities

We seek colleagues who embody ACI's core capabilities and contribute to our innovative engineering culture:

• Ensure Accountability Hold yourself and others accountable to meet commitments.
• Drives Results Consistently achieve results, even under challenging circumstances.
• Customer Focus Build strong customer relationships and deliver customer-centric solutions.
• Cultivate Innovation Create new and better ways for the organization to succeed.
• Collaborates Build partnerships and work effectively across teams and geographies.
• Courage Step up to address difficult issues and say what needs to be said.

AI Readiness

At ACI, AI is becoming an integral part of our engineering culture. Successful candidates should demonstrate curiosity, adaptability, and practical application of AI technologies in software engineering. Candidates should be prepared to discuss:

• How they currently use AI tools in their development workflow.
• Examples of AI-assisted coding, testing, automation, or problem-solving.
• Their approach to responsible and effective AI adoption.
• Opportunities they see for leveraging AI to improve engineering productivity and software quality.

Work Authorization

Applicants must be currently authorized to work in India on a full-time basis. This position does not offer sponsorship for employment visa status now or in the future.

Why Join ACI?

In return for your expertise, we offer opportunities for growth, career development, and a competitive compensation and benefits package within an innovative and collaborative work environment.

Are you ready to help us transform the payments ecosystem?

#LI-AP

ACI Worldwide is a global leader in mission-critical, real-time payments software Our proven, secure and scalable software solutions enable leading corporations, fintechs and financial disruptors to process and manage digital payments, power omni-commerce payments, present and process bill payments, and manage fraud and risk We combine our global footprint with a local presence to drive the real-time digital transformation of payments and commerce.