Payments Architect

TechDigital Corporation

🇺🇸 United States

On-site

Staff / Principal

8 months ago

Regulatory Compliance
Ruby on Rails
RTP
AI
Microservices
System Design
AML
KYC
GDPR
ACH
Swift
AWS
Azure
GCP
TOGAF

8 months ago

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We are seeking a highly experienced Senior Payments Architect to lead the architectural vision, design, and implementation of next-generation payments infrastructure. This role requires a seasoned professional with deep expertise in global payments systems, modern architecture patterns, and regulatory compliance frameworks.
The Payments Architect will work closely with the Head of Payments, senior stakeholders, product managers, and engineering teams to evaluate current payment platforms, identify gaps, and propose scalable, secure, and high-performing solutions aligned with global payment trends.

Domain: Global Payments / Financial Services

Key Responsibilities
Architecture Leadership

Define the end-to-end payments architecture strategy, ensuring scalability, resiliency, and global adoption.
Evaluate existing systems and recommend modernization strategies for improved performance, security, and compliance.
Drive architectural consistency across payment platforms, APIs, and digital channels.

Payments Domain Expertise

Provide deep subject-matter expertise on instant payments, real-time settlement systems, and cross-border payments.
Align payment platforms with global instant payment rails (FedNow, RTP, SEPA Instant, UPI, & Processing, Liquidity Management, Data Warehousing and core Cash Management of large MNC clients
Build architecture for Open Banking & API ecosystems, enabling seamless integrations with third-party fintechs and partners

Innovation & Emerging Technologies

Lead initiatives in Blockchain & Tokenization (e.g., Token Services).
Explore AI-driven compliance, fraud prevention, and personalization use cases.
Implement cloud-native architectures, microservices, and event-driven designs for payment services.

Governance & Quality

Review code quality, system design, and technical debt within payments platforms.
Establish best practices for development, integration, and testing across distributed teams.
Ensure adherence to regulatory requirements (AML, KYC, PSD2, GDPR, ISO 20022).

Stakeholder Management

Partner with global business heads, operations, and compliance teams to ensure architectural alignment with strategic objectives.
Collaborate with vendors, fintech partners, and external regulators to shape payments innovation.

Key Skills & Competencies
Core Payments Expertise

Strong knowledge of domestic and cross-border payments, ACH, SWIFT, ISO 20022, RTP, SEPA, Fedwire.
Experience with card processing, merchant acquiring, wallets, and tokenization.

Technology & Architecture

Proficiency in API-first design, microservices, cloud (AWS/Azure/GCP).
Strong understanding of event-driven systems (Kafka, MQ, etc.).
Knowledge of Blockchain, DLT, and digital currency frameworks.

Leadership

Proven track record of architecting enterprise-grade payment platforms.
Ability to lead large, distributed engineering teams and mentor solution architects.
Strong communication and stakeholder influencing skills.

Qualifications

18+ years of overall IT experience, with at least 12+ years in payments domain.
Hands-on experience in architecting large-scale payment platforms at a bank, financial institution, or payment processor.
Bachelor's or master's degree in computer science, Information Systems, or related field.
Good to have Certifications in Enterprise Architecture (TOGAF/Zachman) or Cloud (AWS/Azure) preferred.

Payments Architect · TechDigital Corporation

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