Top 18 Charles Schwab Software Engineer Interview Questions + Guide in 2025

Charles Schwab is a renowned leader in financial services with a legacy of nearly four decades. Dedicated to making investing accessible and understandable, Schwab champions client goals with passion and integrity, creating a diverse and inclusive environment for its employees, clients, and communities.

As a Software Engineer at Charles Schwab, you’ll navigate a comprehensive interview process to evaluate your fit across various teams. The role demands strong technical proficiencies in areas such as Object-Oriented Programming (OOP) and data structures, combined with the ability to solve coding challenges and demonstrate leadership and problem-solving skills in behavioral interviews.

At Interview Query, we guide you through this meticulous process, from initial phone screens to panel interviews, ensuring you are well-prepared to showcase your expertise and join a dynamic team. Our resources cover a wide range of Charles Schwab software engineer interview questions to help you practice and refine your skills for success.

The interview process usually depends on the role and seniority; however, you can expect the following in a Charles Schwab software engineer interview:

Recruiter/Hiring Manager Call Screening

If your CV happens to be among the shortlisted few, a recruiter from the Schwab Talent Acquisition Team will make contact and verify key details like your experiences and skill level. Behavioral questions may also be a part of the screening process.

Sometimes, the Schwab software engineer hiring manager stays present during the screening round to answer your queries about the role and the company itself. They may also indulge in surface-level technical and behavioral discussions. Questions you may face include:

• Why Schwab?
• What is a class?
• What is an object?
• What is an array?
• The four pillars of Object-Oriented Programming (OOP).
• Behavioral questions like, “Tell me about a time you had to be a leader,” and “Tell me about a time when requirements changed.”

The whole recruiter call should take about 30 minutes.

Technical Virtual Interview

Successfully navigating the recruiter round will invite you to the technical screening round. Technical screening for the Schwab software engineering role is usually conducted virtually, including video conference and screen sharing. Questions in this 1-hour long interview stage may revolve around programming concepts, project experiences, and basic technical questions on OOP and data structures.

Technical questions you may face include:

• Polymorphism
• Overloading vs. Overriding
• Try-Catch and Exception Handling
• Coding Challenges (e.g., Leetcode Easy problems such as Single Number or String Manipulation)
• Experience with HTML, CSS, JavaScript

Behavioral questions will also make an appearance. Be prepared to discuss any projects you have listed on your CV and have scenarios ready to adapt to STAR-method questions.

Onsite Interview Rounds

You’ll be invited to attend the onsite interview loop after the virtual interview. Multiple interview rounds will be conducted during your day at the Schwab office. Your technical prowess, including programming capabilities, problem-solving skills, and software engineering principles, will be evaluated by different team members. The interview may involve:

• Additional coding challenges
• Problem-solving exercises
• Detailed discussions on your technical experience and projects

Behavioral interviews will also be a significant part of the interview process, where the interviewers might assess your soft skills and adaptability.

Typically, interviews at Charles Schwab vary by role and team, but commonly, Software Engineer interviews follow a fairly standardized process across these question topics.

1. Write a function search_list to check if a target value is in a linked list.

Write a function, search_list, that returns a boolean indicating if the target value is in the linked_list or not. You receive the head of the linked list, which is a dictionary with keys value and next. If the linked list is empty, you’ll receive None.

2. Write a query to find users who placed less than 3 orders or ordered less than $500 worth of product.

Write a query to identify the names of users who placed less than 3 orders or ordered less than $500 worth of product. Use the transactions, users, and products tables.

3. Create a function digit_accumulator to sum every digit in a string representing a floating-point number.

You are given a string that represents some floating-point number. Write a function, digit_accumulator, that returns the sum of every digit in the string.

4. Develop a function to parse the most frequent words used in poems.

A literary newspaper hires you to parse the most frequent words used in poems. Poems are given as a list of strings called sentences. Return a dictionary of the frequency of words used in the poem, processed as lowercase.

5. Write a function rectangle_overlap to determine if two rectangles overlap.

You are given two rectangles a and b each defined by four ordered pairs denoting their corners on the x, y plane. Write a function rectangle_overlap to determine whether or not they overlap. Return True if so, and False otherwise.

6. How would you design a function to detect anomalies in univariate and bivariate datasets?

How would you design a function to detect anomalies if given a univariate dataset? What if the data is bivariate?

7. What are the drawbacks of the given student test score data layouts?

Assume you have data on student test scores in two layouts (dataset 1 and dataset 2). What are the drawbacks of these layouts? What formatting changes would you make for better analysis? Describe common problems in “messy” datasets.

8. What is the expected churn rate in March for customers who bought subscriptions since January 1st?

You noticed that 10% of customers who bought subscriptions in January 2020 canceled before February 1st. Assuming uniform new customer acquisition and a 20% month-over-month decrease in churn, what is the expected churn rate in March for all customers who bought the product since January 1st?

9. How would you explain a p-value to a non-technical person?

How would you explain a p-value to someone who is not technical?

10. What are Z and t-tests, and when should you use each?

What are the Z and t-tests? What are they used for? What is the difference between them? When should you use one over the other?

11. What metrics would you use to determine the value of each marketing channel?

Given the marketing costs for different channels at a B2B analytics company, identify the metrics you would use to evaluate the value of each marketing channel.

12. How would you determine the next partner card using customer spending data?

Using customer spending data, outline the process to identify the most suitable partner for a new partner card, similar to Starbucks or Whole Foods Chase credit cards.

13. How would you investigate if the redesigned email campaign led to the increase in conversion rates?

Given the fluctuating conversion rates before and after a new email campaign, describe how you would determine if the redesigned email journey caused the increase in conversion rates or if other factors were involved.

14. How does random forest generate the forest and why use it over logistic regression?

Explain how random forest generates multiple decision trees and why it might be preferred over logistic regression in certain scenarios.

15. When would you use a bagging algorithm versus a boosting algorithm?

Compare two machine learning algorithms and provide examples of tradeoffs between using bagging and boosting algorithms.

16. How would you evaluate and compare two credit risk models for personal loans?

1. Identify the type of model developed by your co-worker for loan approval.
2. Explain how to measure the difference between two credit risk models over time.
3. List metrics to track the success of the new model.

17. What’s the difference between Lasso and Ridge Regression?

Describe the key differences between Lasso and Ridge Regression techniques.

18. What are the key differences between classification models and regression models?

Explain the main differences between classification models and regression models.

To help you succeed in your Charles Schwab software engineer interviews, consider these tips based on interview experiences:

• Brush Up on Core OOP Principles: Be ready to discuss classes, objects, inheritance, polymorphism, exception handling, and similar concepts in depth.
• Project Knowledge: Be thoroughly familiar with the projects and technologies listed on your resume as you’ll be asked detailed questions.
• Practice Coding Challenges: Use Interview Query to practice coding challenges similar to Leetcode Easy to Medium problems. Ensure you are comfortable with recursion, strings, arrays, and tree-based problems.

What is the average salary for a Software Engineer at Charles Schwab?

What technical skills should I prepare for when applying to Charles Schwab?

You should be familiar with Object-Oriented Programming (OOP) core concepts, data structures, and web technologies. Practical experience with languages like Java and C# and technologies like HTML, CSS, JavaScript, RESTful APIs, and databases like SQL and MongoDB will be useful. Expect coding challenges similar to those found on platforms like Interview Query.

What is the company culture like at Charles Schwab?

Charles Schwab promotes a collaborative and innovative environment. The company values diverse perspectives and encourages employees to make an impact on their careers. The culture is supportive, focusing on continuous improvement and employee development.

If you are considering a career at Charles Schwab as a Software Engineer, rest assured that the interview process is comprehensive and designed to evaluate your technical skills and cultural fit.

To dive deeper into what you can expect and how to prepare, check out our main Charles Schwab Interview Guide, where we have covered many potential interview questions. We’ve also created specialized interview guides for different roles like Software Engineer and Data Analyst, offering insights into Schwab’s interview processes.

At Interview Query, we empower you to unlock your interview prowess with a comprehensive toolkit, providing the knowledge, confidence, and strategic guidance needed to conquer every Charles Schwab interview challenge.

You can check out all our company interview guides for better preparation. If you have any questions, don’t hesitate to contact us.

Good luck with your interview!