About this role:

Wells Fargo is seeking a Principal Engineer to drive the design, development, and implementation of innovative Artificial Intelligence (AI) and GenAI technology solutions supporting Fraud and Claims Technology (FCT). FCT delivers innovative technology solutions that support operations, strategic execution, business continuity, regulatory compliance, customer experience, and more - driving modernization and optimization across the enterprise.

In this role, you’ll work on high-impact products and services that directly influence customer trust and Wells Fargo’s bottom line. You’ll prototype and test new technologies and solutions, and drive efforts from ideation into the development process, helping to build secure, scalable, efficient, and high-accuracy systems that protect our customers from fraud and disputes.

If you’re passionate about financial technology, fraud prevention, and AI innovation, this is a unique opportunity to make a meaningful difference.

In this role, you will:

Design, prototype, and analyze novel technology solutions (leveraging ML, AI, GenAI, and Agentic AI) to improve fraud detection and prevention capabilities, including capabilities that will be applied across product and operational channels as well as in investigation, analytic, and remediation workflows and environmentsAct as an advisor to leadership to develop or influence applications, network, information security, database, operating systems, or web technologies for highly complex business and technical needs across multiple groups.Strategically engage with all levels of professionals and managers across the enterprise and serve as an expert advisor to leadershipLead the strategy and resolution of highly complex and unique challenges requiring in-depth evaluation across multiple areas or the enterprise, delivering solutions that are long-term, large-scale and require vision, creativity, innovation, advanced analytical and inductive thinkingTranslate advanced technology experience, an in-depth knowledge of the organizations tactical and strategic business objectives, the enterprise technological environment, the organization structure, and strategic technological opportunities and requirements into technical engineering solutionsDesign, develop and optimize Gen AI applications using agentic frameworks and toolsAccelerate end-to-end solution delivery timelines by developing automated data, prompting and evaluation pipelinesStreamline the enablement of Agentic AI solutions by building solution blueprints, re-usable patterns and identifying process improvementsDevelop automated AI model monitoring frameworks, enabling continuous model updates, explainability, and performance tracking.Drive cross-functional collaboration to define AI roadmaps, infrastructure strategies, and product enhancements, ensuring AI capabilities align with business AI strategies.Provide vision, direction and expertise to leadership on implementing innovative and significant business solutionsStay current with advancements in AI and NLP, incorporating new techniques into prompt engineering.Maintain knowledge of industry best practices and new technologies and recommend innovations that enhance operations or provide a competitive advantage to the organizationPromote best practices in software development, architecture, and deployment across environments.Drive creative improvements to enhance performance, scalability, and maintainability.Lead projects, teams, and serve as a peer mentor.

Required Qualifications:

7+ years of Engineering experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education7+ years of experience on at least one of the programming language Java/Python/Go Lang5+ Years of experience in building and maintaining complex technology solutions/data platforms, preferably in financial services or e-commerce

Desired Qualifications:

Excellent collaboration, communication, and problem-solving skills.Passion for designing and building solutions incorporating AI, machine learning, data science, graph, and/or novel technologies, that deliver a seamless, end-user-focused experience. Direct experience working within fraud, payments, or online/in-game abuse detection environments is preferred.Strong expertise in AI model development and deployment with a strong background in LLMs, generative AI, and AI-engineering. Experience working with agentic technologies and frameworks. Working knowledge of AI infrastructure, Generative AI Operations, and enterprise-scale AI adoption strategies.Experience building solutions and driving development from prototype to production. Expertise in test or eval driven development, ensuring robust and scalable AI software. Solid grasp of data and error analysis, identifying issues and patterns throughout the AI pipelineDeep experience with generative AI models, including model prompting, tuning, and safety best practices. Experience in enterprise AI model lifecycle management, AI compliance, and risk mitigation strategies.Expertise in solution architecture (including front-end, middleware, and backend layers) and applying modular design techniques to workflow automation (including agentic workflow), Familiarity with enterprise-scale software systems and their integration within large organizations.Experience in backend application software development, with ability to quickly adapt to C#, and Python code bases.Excellent collaboration, communication, and problem-solving skills. Demonstrated success working in dynamic, cross-functional organizations and leading teams and programs via demonstrating technical excellence, coaching, and mentoring.

Job Expectations:

Be Humble: You're smart yet always interested in learning from othersWork Transparently: You always deal in an honest, direct, and transparent way.Take Ownership: You embrace responsibility and find joy in having the answersLearn More: You regularly self-educate and improve your skill set.Show Gratitude: You show appreciation and respect to those you work with.

Pay Range
 

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.

$159,000.00 - $305,000.00

Benefits

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

Health benefits401(k) PlanPaid time offDisability benefitsLife insurance, critical illness insurance, and accident insuranceParental leaveCritical caregiving leaveDiscounts and savingsCommuter benefitsTuition reimbursementScholarships for dependent childrenAdoption reimbursement

Posting End Date:

19 Feb 2026

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

 

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.