Principal Software Engineer - CIAM and Fraud (Remote)

First Citizens Bank is undergoing a significant digital transformation to modernize customer service. 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 providing expertise in design and production incidents.

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)