At Schwab, you are empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.
Schwab Technology Services (STS) Research & Development team is responsible for exploring innovative technologies and identifying ways that organizations throughout Schwab might benefit from their application.
We are seeking a new member of Schwab’s Research & Development team with experience in blockchain and digital assets, while also possessing a strong foundation in general software development and architecture. A key area of exploration will include crypto wallet capabilities—such as security, infrastructure, and usability—given their growing relevance to the future of digital finance. In addition, the candidate may also contribute to other R&D initiatives, including in areas like AI/ML/GenAI, Spatial Computing, Cloud Native Design, or Digital Trust.
This role is perfect for someone who thrives on innovation, brings a strong architectural mindset, enjoys solving complex technical challenges, and wants to shape the future of financial services technology.
Act as a technical thought leader, driving innovation across multiple R&D initiatives through development of proof-of-conceptsClearly explain complex technical ideas to business partners in a way that helps them understand the impact and possibilities, bridging the gap between tech and strategyDesign and prototype solutions for wallet infrastructure, private key management, multi-signature and threshold cryptography, and integration with traditional financial systemsEvaluate different blockchain architectures, smart contract frameworks, and tokenization methodologies to assess their applicability to our businessStay at the forefront of blockchain innovation, identifying new opportunities in digital identity, decentralized finance (DeFi), tokenized securities, and interoperabilityContribute to the company’s blockchain and digital assets strategy through whitepapers, presentations, and internal education initiativesEngage with industry consortia, regulators, and technology partners to understand emerging trends and best practicesSupport other R&D initiatives in areas like AI/ML, cloud-native application design, spatial computing, and digital identity/trust, contributing architectural insight and cross-domain thinking What you haveRequired Qualifications
Bachelor's degree in computer science or related field10+ years progressive software development & engineering experience, building technical skills across a breadth of technologies10+ years demonstrating strong analytical skills and ability to translate research findings into real-world applications10+ years proficiency with multiple programming languages such as Solidity, Rust, Python, Go, or Java3+ years of experience in blockchain development, crypto asset management, or related fields3+ years experience in one or more emerging technology area outside of crypto technology: e.g. Cloud Native Design, Digital Trust3+ years experience developing secure wallet solutions, including key management (MPC, HSMs, cold storage, custodial vs. non-custodial models)3+ years familiarity with tokenization of assets, including securities, stablecoins, and smart contracts (ERC-20, ERC-721, ERC-1155, etc.)3+ years experience with cryptographic protocols, DeFi applications, and blockchain interoperability solutionsPreferred Qualifications
Master’s degree in computer science or related fieldFull-stack product development experienceExperience within fintech, financial institutions, or technology-driven R&D teamsKnowledge of regulatory and compliance frameworks related to digital assets (SEC, FINRA, AML/KYC, MiCA)Prior experience working at a financial institution, fintech, or blockchain startupHands-on experience with Zero-Knowledge Proofs (ZKPs), Decentralized Identity (DID), or Central Bank Digital Currencies (CBDCs)Understanding of financial services infrastructure, including payments, settlements, and capital markets Options Apply for this jobApplyShareRefer a friendRefer Sorry the Share function is not working properly at this moment. Please refresh the page and try again later. Share on your newsfeed Why work for us?Own Your Tomorrow embodies everything we do! We are committed to helping our employees ignite their potential and achieve their dreams. Our employees get to play a central role in reinventing a multi-trillion-dollar industry, creating a better, more modern way to build and manage wealth.
Benefits: A competitive and flexible package designed to empower you for today and tomorrow. We offer a competitive and flexible package designed to help you make the most of your life at work and at home—today and in the future. Application FAQs
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