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Principal Software Engineer - CIAM and Fraud (Remote)

May 12, 2026

Overview This is a remote role that may only be hired in the following location(s): AZ, FL, GA, NC, and TX. At First Citizens Bank we're in the midst of a bold digital transformation-simplifying, consolidating, and modernizing the way we serve our customers. We're evolving toward a foundational North Star Architecture that enables us to scale smarter, move faster, and deliver experiences that truly differentiate us in the market. 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. Few get the chance to help shape something this foundational. This is your opportunity to be part of a once-in-a-career journey, building what's next while staying grounded in the impact we create today. If you're energized by transformation, passionate about software engineering, and ready to help lay the technical bedrock for a digital-first future-we want to talk to you. 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. Operating across multiple squads, the role sets technical direction, standards, and quality expectations, and provides deep expertise during complex design decisions, platform changes, and production incidents. Responsibilities Key Responsibilities <ul><li>Own engineering integrity and technical decision-making for CIAM and Fraud platforms.</li><li>Ensure Okta-based identity solutions balance customer experience, fraud prevention, security, and scalability.</li><li>Influence platform roadmaps and priorities through deep domain expertise.</li><li>Act as a critical control point for high-risk changes impacting customers and regulatory outcomes.</li><li>Serve as the engineering authority for Customer facing Okta Customer Identity Cloud implementations.</li><li>Define and maintain CIAM and Fraud specific engineering standards, patterns, and reference implementations.</li><li>Lead complex engineering initiatives including:</li><ul><li>OAuth2 / OIDC authentication and token lifecycle management</li><li>Okta Identity Engine adaptive and risk-based authentication</li><li>MFA step-up for high-risk transactions</li><li>Integration of fraud and behavioral risk signals</li></ul><li>Lead resolution of severe production incidents and security vulnerabilities.</li><li>Partner with Architecture, Security, Fraud, and Delivery leadership to ensure alignment.</li></ul> Technology & Domain Focus <ul><li>Okta Customer Identity Cloud (Identity Engine, Universal Directory, MFA).</li><li>Digital onboarding, login, recovery, and transaction security.</li><li>Fraud signal integration and risk-based decisioning.</li><li>API security, zero-trust patterns, and cloud-native architectures.</li><li>DevSecOps, observability, and operational resilience.</li></ul> Leadership & Influence <ul><li>Provides technical leadership across squads without direct line management.</li><li>Coaches and mentors Senior and Staff engineers.</li><li>Sets expectations for engineering quality, resilience, and ownership.</li><li>Acts as a trusted advisor to Directors, Architects, and Security leaders.</li></ul> 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 Preferred Qualifications <ul><li>Principal or Staff-level engineering experience.</li><li>Deep hands-on expertise with Okta CIAM.</li><li>Strong experience in banking or regulated financial services.</li><li>Proven delivery of secure, customer-facing platforms at scale.</li><li>Minimum 5-8 years experience with at least one major programming language (e.g. Java, Python, Go, etc.,).</li><li>Strong understanding of fraud prevention, risk-based authentication, and secure digital journeys.</li><li>Experience working within agile, product-aligned delivery models.</li><li>Familiarity with regulatory, audit, and operational risk expectations.</li><li>Strong CIAM and fraud-aware identity design expertise.</li><li>Deep understanding of Okta architecture and configuration concepts.</li><li>OAuth 2.0, OpenID Connect, SAML.</li><li>Fraud signal integration and risk-based decisioning.</li><li>Strong understanding of REST APIs, event-driven architectures.</li><li>Experience of Cloud platforms (AWS, Azure, GCP).</li></ul> Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

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4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

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5. HOW DO YOU PROCESS INFORMATION?

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Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

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Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...