Luminate Bank

Compensation

Full Description

Luminate Bank is redefining what modern banking can be. In just five years under its current leadership, the company has grown from a $62 million community bank into a $500 million financial institution, the fastest-growing state-chartered bank, while building one of the fastest-growing mortgage platforms in the country. The momentum has been extraordinary: Grew bank assets from $62 million to $500 million in five years- the fastest-growing state-chartered bank Ranked a 2026 Top Workplace in Minnesota by the Star Tribune and #1 among large companies in Colorado Top Workplaces 2026 Named a 2026 Top Workplaces Culture Excellence winner in eight categories and a Top Workplace nationally in Financial Services Surpassed $4 billion in mortgage originations in 2025 Ranked among the Top 30 Mortgage Lenders nationally by Scotsman Guide Maintain a 4.9-star average rating across 45,000+ customer reviews Recognized by Freddie Mac with two 2026 Home Possible RISE Awards® for Greatest Volume and Fastest Growth Honored by the Minnesota Mortgage Association as 2025 Leaders of the Year But the story is bigger than growth metrics and awards. Luminate Bank is building a culture designed for ambitious, high-performing people who want to shape the future of banking. We move quickly, think boldly, and invest deeply in our people. Innovation, accountability, collaboration, and customer experience are at the center of everything we do. What began as a rapidly growing lending and banking platform is now entering its next phase: building a nationally recognized financial brand that redefines how modern banking is experienced. For leaders who want the opportunity to build, scale, and leave a lasting impact, this is a rare moment to join a company with startup energy, national momentum, and a long runway ahead. Position Overview: Luminate Bank is hiring a Staff Software Engineer to design, build, secure, and run the proprietary applications and integrations that connect our banking and mortgage platforms. You'll ship priority business software hands-on—using AI coding agents such as Claude Code to accelerate delivery—while setting the team's standards for secure delivery, reliable operations, and responsible use of AI tools in a regulated environment where most of our applications handle nonpublic personal information (NPI). This is an individual contributor role. You'll provide technical direction and coaching to a small team of engineers and specialists; people management stays with the EVP, Technology or a designated manager. Most of your time will be hands-on engineering, with protected time for design, mentoring, documentation, and cross-training. Early priorities include moving from Azure DevOps to GitHub, improving the reliability of key integrations, and building applications that fill gaps in our vendor platforms. Responsibilities and Duties: Application & Integration Engineering Design and build production applications, services, and extensions for priority banking and mortgage needs, working with business owners to define scope and acceptance criteria. Build and support integrations using REST APIs, webhooks, events, and scheduled batch exchanges. Evaluate vendor capabilities and find maintainable ways to close gaps between third-party software and how Luminate operates. Make integrations safe under failure with authentication, input validation, idempotency, bounded retries, rate limiting, and safe replay, and use reconciliation to confirm business outcomes. Own architecture and technical quality for assigned services, including API contracts, automated tests, and support documentation. AI-Assisted Development Use the bank's approved AI coding agents (e.g., Claude Code) to speed up implementation, testing, and documentation, while owning what ships: review generated code and verify its behavior with meaningful tests. Create reusable agent skills, instructions, and patterns for the team, with approved model services, scoped tool permissions, and clear rules for sensitive data and production access. For prioritized business use cases that use AI agents, define permitted actions, evaluation criteria, human approval points, monitoring, and recovery before anything goes live. Software Factory & DevOps Shape and maintain GitHub-based development and release practices, including the migration from Azure DevOps, in partnership with internal teams and implementation partners. Build reusable repository templates and CI/CD workflows with automated tests, code and dependency scanning, secret detection, required reviews, and controlled promotion between environments. Provision and maintain application infrastructure as code, using the bank's approved hosting, identity, networking, and secrets services. Keep engineering documentation alongside the code. Automate API and release documentation where practical, with named owners reviewing operational procedures. Security, Governance & Production Reliability Implement and verify controls that protect NPI and other sensitive data, including least privilege, secrets management, encryption, access controls, and redacted telemetry. Work with Information Security, Compliance, and Risk on threat modeling, AI service approvals, vendor reviews, vulnerability remediation, and audit evidence. Escalate residual risks to the bank's authorized decision makers. Instrument assigned services with logs, metrics, health checks, and alerts, and maintain backup and recovery procedures. Test alerts and recovery with named responders and backup owners. Take part in incident response and critical releases under a defined support and escalation model, and use operational data to improve reliability. Technical Leadership & Collaboration Mentor engineers and specialists through pairing, design and code reviews, and knowledge sharing. Cross-train the team so every service can be supported by more than its original author. Help with recruiting, technical interviews, and onboarding, and give technical feedback that supports team members' development plans alongside their people manager. Work with the EVP, Technology and delivery stakeholders to sequence priorities, flag capacity constraints, and balance product work, reliability, security remediation, and technical debt. Partner with Data & Analytics, Business Solutions & Delivery, and IT & Infrastructure. Define integration contracts and shared delivery patterns with Data & Analytics, which owns the lakehouse and data quality. Qualifications and Skills: Required Experience Typically 8+ years of professional software engineering, with a track record of designing, delivering, and supporting production applications. Technical leadership through architecture, mentoring, code review, and cross-functional delivery. Formal people management experience is not required. Hands-on experience developing applications with AI coding agents (e.g., Claude Code), with the judgment to review generated code, test its behavior, protect sensitive information, and recognize the tools' limits. Experience shipping through a reviewed delivery pipeline in GitHub, Azure DevOps, GitLab, or similar, and the ability to build GitHub-based CI/CD and infrastructure automation. Experience deploying and operating services that handle sensitive data, with sound practices in application security, identity, secrets management, and incident response. Hands-on experience building API and webhook integrations, including authentication, error handling, data consistency, and production troubleshooting. Experience solutioning gaps between third-party vendor platforms and internal business processes. Core Competencies Modern Development: Strong programming skills in a language such as Python, TypeScript/JavaScript, or C#, plus relational databases, SQL, and API design. Security Mindset: Familiarity with OWASP Top 10, secure SDLC, identity and access management, and the protection of NPI. Systems Thinking: Ability to understand data flows and dependencies across multiple platforms and design solutions that scale and remain supportable. Communication: Ability to explain technical tradeoffs, delivery risks, and operational needs clearly to business stakeholders and executive leadership. Preferred Experience (Strong Plus) System configuration and development experience in banking or mortgage technology, such as Encompass, Vesta, or Jack Henry, and related point-of-sale, pricing, or document systems. Building or governing production AI agents, including agent skills and instructions, evaluation frameworks, MCP integrations, and runtime controls. Setting up engineering practices for a small team, improving developer workflows, or leading a migration to GitHub. Education: Degree in Computer Science, Software Engineering, Computer Engineering, or a related software development field required; bachelor's degree preferred. Cloud, security, or DevOps certifications (e.g., Microsoft Azure, AWS, CompTIA Security+, GitHub) are a plus. Benefits: Competitive compensation reliant on ability and experience Excellent benefits package including health, pretax HSA, FSA accounts and dental & vision Life and AD&D Insurance, as well as additional voluntary benefit possibilities 401K with robust company match Flexible PTO program Earned Sick & Safe Time (ESST) The opportunity to work for the Midwest’s fastest growing lender We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.