Virtual Programmer Jobs in Chicago, IL (NOW HIRING)

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

We are seeking an experienced software engineering leader to manage teams responsible for delivering For-Benefit-Of (FBO) and Virtual Account Management (VAM) products. In this role, you will lead engineering teams that build scalable embedded payments and virtual account capabilities, helping clients manage money movement on behalf of their customers while maintaining transparency, control, and operational efficiency. You will guide the delivery of secure, resilient, API-enabled solutions that support onboarding, payment-rail integration, transaction processing, reconciliation, reporting, risk controls, and operational monitoring. You will partner closely with product, architecture, risk, operations, business, and vendor stakeholders to translate product strategy into executable engineering roadmaps. As a people leader, you will coach and develop engineers, promote strong engineering practices, and foster a culture of accountability, collaboration, and continuous improvement. This position requires a leader who can connect business priorities, platform strategy, regulatory expectations, and technical execution to deliver differentiated client experiences and scalable product capabilities.

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Six to eight years of relevant technical experience
- Five or more years of experience leading software engineering teams
Preferred Skills and Experience

• Proven experience leading software engineering teams that deliver financial technology, treasury management, embedded payments, virtual account, deposit, or payment-rail capabilities

• Strong understanding of FBO and VAM product concepts, including virtual account structures, master DDA relationships, program manager and program participant models, transaction replication, reconciliation, reporting, onboarding, and control requirements

• Experience delivering scalable API-based products and platform integrations across client-facing channels, virtual account platforms, core deposit systems, payment rails, risk systems, reporting tools, and operational support platforms

• Ability to define, prioritize, and execute engineering roadmaps while managing dependencies across product, architecture, operations, risk, vendor, and implementation teams

• Strong knowledge of secure software development practices, engineering controls, production readiness, resiliency, data protection, and regulatory expectations in a financial services environment

• Ability to understand complex product features, user journeys, system flows, and operational impacts across high-volume onboarding, payment processing, reporting, exception management, and reconciliation workflows

• Demonstrated ability to align technology strategy with business outcomes, including revenue growth, client experience, operational scale, risk management, and platform modernization

• Strong analytical, planning, prioritization, communication, and stakeholder management skills

• Excellent verbal and written communication skills, with the ability to explain complex FBO/VAM concepts, delivery plans, technical tradeoffs, and risks to technical and non-technical audiences

• Demonstrated leadership, coaching, and talent-development skills, with a track record of building accountable, collaborative, high-performing engineering teams

Location expectations
This role requires working from a U.S. Bank location three (3) or more days per week.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to ourdisability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about theE-Verify program.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.