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We are seeking an experienced Payments Solution Architect to work as a consultant designing and delivering modern, scalable payment solutions across multiple payment rails. This role partners with financial institutions, fintechs, and internal teams to architect end-to-end payment platforms that are secure, resilient, and future-ready.
Job Responsibility:
Architect and design solutions across ACH, wire payments, SWIFT, and real-time payment rails (e.g., RTP, FedNow)
Lead current-state assessments and define target-state architectures aligned to business and regulatory requirements
Design modern, API-driven, cloud-ready and/or on-prem payment platforms, including integration patterns and data flows
Advise on payment modernization initiatives, including migration from legacy systems
Collaborate with business stakeholders, engineers, vendors, and operations teams to translate requirements into technical designs
Produce high-quality architecture artifacts (solution designs, diagrams, interface specifications, and architecture decision records)
Ensure solutions meet security, resiliency, compliance, and performance standards
Requirements:
Ability to translate business requirements into clear, pragmatic technical solutions
Strong communication skills with experience working in client-facing or consulting roles
Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience)
8+ years of experience in payments, banking technology, or financial services systems
4+ years of proven hands-on experience architecting solutions for ACH, wires, SWIFT, and real-time payment rails
4+ years end-to-end payment processing, settlement, reconciliation, and exception handling
4+ years of experience designing modern architectures using APIs, microservices, and event-driven patterns
Nice to have:
Payments experience solutioning leveraging AI
Experience with payment hubs, switches, or core banking integrations
Knowledge of ISO 20022 and large-scale payment modernization programs
Cloud architecture experience (AWS, Azure, or GCP)
Relevant certifications (e.g., AWS, TOGAF, or payments-related certifications)