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Sr. Principal Engineer - Wallet, Payments & Commerce
AppleCupertino, California, United StatesSenior$262,500 - $394,000
Apply The people here at Apple don’t just create products. We create the kind of wonder that’s revolutionized entire industries. It’s the diversity of those people and their ideas that inspires the innovation that runs through everything we do, from amazing technology to industry-leading environmental efforts. Join Apple, and help us leave the world better than we found it.
Apple’s Wallet, Payments, and Commerce (WPC) teams are redefining how people pay, access, and interact with financial services every day. Our work powers experiences like Apple Pay, Apple Cash, Tap to Pay, and connected services that enable commerce at a global scale. We’re continuing to expand Apple Pay and Wallet to new markets, new partners, and new capabilities, digitizing more of what people carry in their wallets.
We’re seeking a Sr. Principal Engineer to lead the technical vision for Apple’s financial services platform within Wallet, Payments and Commerce. This is a rare opportunity to define the architecture that underpins Apple’s payment systems that move money securely, reliably, and at massive scale.
In this role, you will:
- Shape the long-term technical direction for offerings including Apple Pay, Apple Cash, Tap to Pay on iPhone, Installments, Connected Accounts, and Apple’s global payment processing systems.
- Serve as a focal point for technical dialogue and strategy across WPC and broader Apple engineering.
- Partner with engineering, product, business, and regulatory leaders to ensure our financial services technology meets both Apple’s standards for user experience and the rigorous demands of a highly regulated, global ecosystem.
- Mentor and elevate technical talent across teams, fostering deep domain knowledge in payments architecture and distributed systems.
- Bring clarity to complex, ambiguous problems and drive architectural decisions that balance innovation, scalability, reliability, and compliance.
At Apple there’s no playbook. Success comes from curiosity, hands-on engagement, and a willingness to tackle challenges from first principles. You’ll collaborate across disciplines, communicate complex ideas with clarity, and help define what world-class financial systems look like at Apple scale.
- Develop, socialize, and promote the financial services engineering vision and technical roadmap.
- Partner with engineering, product, and business leadership to align on architecture and long-term investments.
- Lead architectural discussions and decisions for financial services initiatives across Apple.
- Define and advocate for engineering principles that ensure scalability, reliability, testability, and measurable impact.
- Provide technical leadership on critical projects; designing, documenting, and validating key architectural decisions.
- Collaborate deeply with WPC’s architecture and platform teams to ensure alignment across shared systems and interfaces.
- Identify opportunities to leverage Apple-wide systems and capabilities for WPC and financial services use cases.
- Represent the engineering perspective in senior forums and influence strategic product direction.
- Mentor and develop technical leaders across the organization.
- Deep expertise in payments or financial systems, including money movement, tokenization, or transaction processing.
- Proven experience designing and evolving large-scale distributed systems serving millions of users or high-volume transactions.
- Strong foundation in cloud-native architectures and systems designed for scalability and resilience (experience with AWS or comparable cloud platforms).
- Track record of technical leadership, driving alignment and architectural direction across large, complex organizations.
- Demonstrated success influencing cross-functional decisions and guiding senior leaders on technology investments.
- Experience working with or building regulated systems and understanding compliance implications.
- Exceptional ability to communicate complex technical concepts to executive and engineering audiences alike.
- Demonstrated success mentoring and elevating technical talent across global teams.
- Bachelor’s degree in Computer Science, Engineering, or related field, or equivalent experience.
- Experience collaborating with external partners, financial institutions, or payment networks.
- Familiarity with emerging payment standards and technologies shaping the industry’s future.
- Experience building or evolving shared platforms that serve multiple products or business units.