Principal Software Engineer - CIAM and Fraud (Remote)

First Citizens Bank is undergoing a significant digital transformation to enhance its customer service capabilities. The CIAM & Fraud Principal Software Engineer will lead the technical direction for customer identity and fraud technology, ensuring secure and resilient digital banking journeys while maintaining an optimal customer experience.

Responsibilities:

• 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

Requirements:

• 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)