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Your opportunity

The R&D Software Engineer will be part of a small development team to conduct research on emerging technology and user trends, create innovative concepts to improve Schwab's customer experience, implement prototypes and present them to Schwab Leadership teams.

Are you a type of person who welcomes the challenge and the passion for cutting edge technology to achieve something extraordinary? Do you like the idea of turning a “sketch on a napkin” into something your users can see, touch and feel?

Our team is responsible for conducting experiments that yield learnings to the business and technology teams, inspiring them to take successful concepts to production. The R&D team, by design, works in sandbox environments and develops proofs-of-concept (PoC) to advise and catalyze production product backlogs.

What you are good at:

+ Collaborate with and mentor a small group of engineers working on R&D initiatives, exploratory technologies, andPoCs.

+ Present functional prototypes and concepts to Schwab executives and stakeholders.

+ Work cross-functionally with Schwab Technology and product teams to coordinate demos, discussions, ideation sessions, and strategic planning.

+ Anticipate emerging technology advancements that couldimpactSchwab’s products or customer experience.

+ Stay current on technology and industry trends; contribute to team knowledge growth.

+ Analyze consumer, business, and technical trends to inform R&D plans and experiments.

+ Experiment independently to discover new insights, solve challenges, and explorenew technologydirections.

+ Think creatively and push boundaries while leading others to do the same.

What you have

Minimum Years of Experience

+ 6–8 years in software/computer engineering or similar technical roles.

+ 2–4 years working specifically in Artificial Intelligence, with an emphasis on Generative AI.

Required Skills & Qualifications

+ Strongexpertisewith Gen-AI and associated technologies (LLMs,PyTorch/TensorFlow, Transformer models).

+ Strong understanding and passion for data analysis.

+ Demonstrated success working in diverse team environments.

+ Ability to quickly prototype, innovate, and find new ways to solve complex problems.

+ Clear and confident communication skills for both small and large audiences.

+ Ability to articulate direction, decisions, and technology recommendations.

+ Experience mentoring junior engineers on frameworks, best practices, and solution design.

+ Passion for high-quality engineering; intolerance for poor design or execution.

+ Strong desireto “wow” customers and createvisiblebusiness impact.

Preferred Skills & Additional Experience

+ Experience developing industry prototypes,PoCs, and sandbox experiments.

+ Strategic thinking with the ability to translate trends into actionable project direction.

+ Experiencefacilitatingdemos, ideation sessions, and planning workshops with senior leaders.

+ Background integrating market research, technical insights, and consumer behavior into R&D strategies.

+ Financial services or fintech industry experience (highly desirable).

What’s in it for you

At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

+ 401(k) with company match and Employee stock purchase plan

+ Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

+ Paid parental leave and family building benefits

+ Tuition reimbursement

+ Health, dental, and vision insurance

What’s in it for you:

At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

401(k) with company match and Employee stock purchase plan

Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

Paid parental leave and family building benefits

Tuition reimbursement

Health, dental, and vision insurance

Schwab is an affirmative action employer, focused on employing and advancing in employment, qualified women, racial and ethnic minorities, protected veterans, and individuals with disabilities in the workplace. If you have a disability and require reasonable accommodations in the application process, contact Human Resources at [email protected] or call 800-275-1281.