Distinguished Engineer - Wallet, Payments & Commerce

Cupertino, California, United States$262,500 - $394,000

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 Distinguished 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.

At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $262,500 and $394,000, and your base pay will depend on your skills, qualifications, experience, and location.

Apple employees also have the opportunity to become an Apple shareholder through participation in Apple’s discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple’s Employee Stock Purchase Plan. You’ll also receive benefits including: Comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses — including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation. Learn more about Apple Benefits

Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant

At Apple, we believe accessibility is a fundamental human right. You’ll find that idea reflected in everything here — in our culture, our benefits and our digital tools. By welcoming as many perspectives as possible, we help you build a career where you feel like you belong.

Learn about accessibility in Apple’s workplace

Learn about reasonable accommodations for job applicants

Apple accepts applications to this posting on an ongoing basis.

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