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We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

About your role:

Clover is a global leader in point-of-sale (POS) and financial technology, dedicated to building the smart terminal ecosystems that move money securely for millions of merchants daily. We are looking for a Senior Systems Engineer to serve as our resident Level 2 payment kernel expert at our Sunnyvale, CA campus, driving the engineering and global certification of our hardware products. In this role, you will lead the architecture, testing, and continuous operation of the secure payment kernel infrastructure that interfaces directly with lower-level device components, Android OS platforms, and international test networks.

What you’ll do:

• System Integration & Architecture: Design and implement robust solutions that bridge Android applications, inter-CPU communication frameworks, RTOS ecosystems, and core L2 payment kernels.
• Feature Innovation: Develop and scale advanced features for our hardware fleet, including dynamic currency conversion, offline transaction capabilities, mobile wallets, and contactless payment networks (Apple Pay, Google Pay).
• Kernel & Scheme Ownership: Take end-to-end technical ownership of Level 2 and Level 3 payment kernels across various international payment schemes.
• Global Compliance & Testing: Partner closely with product management and global certification bodies to clarify specifications and guide devices through strict international test organization audits.
• Triage & System Reliability: Investigate, debug, and resolve complex system integration issues, application bugs, and infrastructure bottlenecks across a diverse fleet of device types.
• Production Support: Maintain terminal uptime and performance standards by participating in a regular, team-wide production support on-call rotation.
• Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you’ll need to have:

• Core Experience: 7+ years of professional software delivery and systems engineering experience operating within Agile teams.
• Payment Kernel Mastery: 3+ years of dedicated, hands-on experience building, configuring, or supporting EMV L2 and/or L3 payment kernels.
• Android Platform Architecture: Proven track record with a heavy focus on the system architecture, design patterns, and internal frameworks of Android devices or platforms.
• Language Proficiency: Strong command of at least two core AOSP programming languages (Java, C, C++, or Kotlin).
• Mobile Development: Experience building native Android applications using Kotlin, with a focus on UI performance optimization and dynamic screen adaptation.
• Tooling & Cryptography: Solid working knowledge of source control and peer review tools (Git, Gerrit), alongside a general understanding of payment security protocols (PKI, HSM, card encryption/decryption, and certificate management).

Experience that would be great to have:

• Deep low-level programming experience, including embedded systems development, MCU/ARM Cortex environments, RTOS, and advanced C scripting.
• Prior tenure in the payments industry, specifically working directly with EMVco standards or navigating PCI/PTS compliance landscapes.

How you’ll work:

• This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
• This role requires use of a computer and audio equipment.

Benefits at Fiserv:

• Fuel Your Life program to support your physical, financial, social, and emotional well-being
• Paid holidays and generous time away policies
• No-cost mental health support through Employee Assistance Programs
• Living Proof program to recognize your peers’ extra effort with points redeemable for rewards
• Eight Employee Resource Groups to foster a collaborative culture and expand your network
• ·Unparalleled professional growth with training, development, and internal mobility opportunities
• Medical, dental, vision, life, and disability insurance options available from day one
• Retirement planning and discounted shares with the Employee Stock Purchase Plan
• Tuition assistance and reimbursement program
• Paid parental, caregiver, and military leave

#LI-SH2

Salary Range

These pay ranges apply to employees in Sunnyvale, California. Pay ranges for employees in other states may differ.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

Thank you for considering employment with Fiserv.  Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact [email protected]. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

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Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

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