Principal Payments Architect
Core
Lead innovative payments transformation across financial services, shaping and delivering critical programs for banks and institutions.
Role type
Principal Payments Architect (Senior IC with strategy & mentorship)
Builds
Scalable, resilient payment platforms and digital payment capabilities for financial services clients
Domain
Financial Services / Payments / Enterprise Architecture
Deliverable
production ML models | product features | dashboards & analysis | client delivery | infrastructure
Required skills
Enterprise and solution architecture, payments platform design (domestic, international, real-time, card-based), major payment schemes (SWIFT, SEPA, Open Banking), high-volume processing systems, distributed architecture patterns (microservices, event streaming), technology strategy and roadmapping, regulatory compliance awareness, agile delivery, TOGAF and Domain-Driven Design
Preferred skills
Pre-sales engagement and commercial estimation, emerging technologies (digital wallets, tokenisation, embedded finance), financial crime AML controls, international payment ecosystems (US ACH, RTP)
Technologies
ISO 20022, Form3, AWS, TOGAF, DevOps
Responsibilities
Design scalable and resilient payment solutions, guide clients through complex regulatory and technology change, shape long-term payments strategies and investment decisions, lead high-performing teams and mentor junior technologists, contribute to thought leadership and community engagement
Seniority
Principal, hands-on IC with strategic influence