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Principal Architect, Payment & Fraud Systems

https://www.t-mobile.com Logo

T-Mobile

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Location:
United States , Bellevue ▼

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Category:
IT - Software Development

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Contract Type:
Employment contract

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Salary:

123800.00 - 223300.00 USD / Year
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Job Description:

The Principal Systems Architect crafts scalable, secure, and high-performance payment and fraud management solutions. This role focuses on payment processing, in-house tokenization, fraud detection, and risk mitigation across e-commerce, in-store, and mobile channels. The architect defines and maintains architecture, technology standards, and best methodologies for real-time transaction processing, middleware, and databases, encompassing both in-house development and third-party integrations. They provide leadership to project teams, ensuring compliance with industry standards, regulatory requirements, and internal practices. Additionally, the architect evaluates and recommends emerging payment technologies, fraud prevention techniques, and sophisticated security measures to improve the overall platform's resilience and efficiency.

Job Responsibility:

  • Help define software development processes and ensure alignment to security, compliance, and scalability methodologies for payment and fraud platforms
  • Stay up to date with emerging payment technologies, as well as fraud detection strategies, and regulatory requirements to continuously contribute to improvement of platform capabilities
  • Understand the business processes on assigned projects, particularly those related to payment acceptance, transaction routing, chargebacks, and fraud prevention
  • Accomplish organizational goals by accepting ownership for accomplishing new and different requests
  • explore opportunities to contribute to job accomplishments
  • Translate business requirements into technical requirements and assist other team members in implementing the solution
  • Design and implement real-time transaction refinement solutions that ensure high availability, reliability, and security
  • Provide architectural oversight for payment tokenization, fraud scoring models, and risk mitigation strategies across multiple channels
  • Collaborate with engineering, product management, security, and compliance teams to ensure flawless integration of payment and fraud technologies
  • Lead proof-of-concept (PoC) initiatives to assess new fraud detection techniques, machine learning models, or payment orchestration improvements
  • Optimize payment processing workflows to improve customer experience while maintaining fraud controls and cost efficiency
  • Ensure PCI compliance, data encryption, and secure API integrations for all payment and fraud-related systems
  • Develop and maintain high-level architecture diagrams, user documentation, and standard practice guidelines for enterprise-wide reference
  • Provide direct technical evaluation of third-party products for inclusion in T-Mobile solutions

Requirements:

  • 7-10 years of experience in a business environment, preferably within payments, fraud prevention, financial services, or e-commerce
  • 7-10 years of experience as a software or systems architect, engineer, or programmer, with expertise in scalable, high-availability platforms
  • 5+ years of experience in payments architecture, tokenization, and transaction processing, including real-time authorization, settlement, and reconciliation workflows
  • 5+ years of experience in fraud prevention, risk management systems, and security architecture, with knowledge of fraud scoring models, ML driven, fraud detection, and chargeback management
  • 4-7 years of experience in B2C online e-commerce systems architecture and design
  • 4-7 years of experience with payment orchestration, gateway integrations, and acquirer connections, including experience with PCI DSS compliance and 3DS
  • 4-7 years of experience using architecture and design of mobile web applications, including responsive design, hybrid models, and secure mobile payment solutions such as Apple Pay, Google Pay, or QR-based payments
  • 4-7 years of experience with cloud-based payment processing architectures, including AWS, Azure, GCP, Kubernetes, or serverless computing models
  • Bachelor's Degree in Computer Science, Information Technology, or a related discipline
  • Technology certifications (such as Java, Microsoft, Oracle, AWS, TOGAF, or security-focused certifications like CISSP, CISM, PCI-ISA)
  • At least 18 years of age
  • Legally authorized to work in the United States

Nice to have:

  • Advanced degrees
  • Technology certifications (such as Java, Microsoft, Oracle, AWS, TOGAF, or security-focused certifications like CISSP, CISM, PCI-ISA)
What we offer:
  • Competitive base salary and compensation package
  • Annual stock grant
  • Employee stock purchase plan
  • 401(k)
  • Access to free, year-round money coaches
  • Medical, dental and vision insurance
  • Flexible spending account
  • Paid time off
  • Up to 12 paid holidays
  • Paid parental and family leave
  • Family building benefits
  • Back-up care
  • Enhanced family support
  • Childcare subsidy
  • Tuition assistance
  • College coaching
  • Short- and long-term disability
  • Voluntary AD&D coverage
  • Voluntary accident coverage
  • Voluntary life insurance
  • Voluntary disability insurance
  • Voluntary long-term care insurance
  • Mobile service & home internet discounts
  • Pet insurance
  • Access to commuter and transit programs

Additional Information:

Job Posted:
April 05, 2025

Employment Type:
Fulltime
Work Type:
On-site work
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