Architect

Job Title: Enterprise Architect – Payments (FinTech)

Experience:

Location:

Employment Type:

About the Role

Enterprise Architect with strong Payments domain expertise

payment systems, cloud-native architectures, API ecosystems, integration frameworks, and regulatory compliance

This role is a key technical leadership position within our FinTech organization, responsible for guiding the technology roadmap and ensuring alignment with industry standards, regulatory frameworks, and evolving market needs.

Key Responsibilities

Enterprise Architecture & Strategy

• Define and drive the

  enterprise architecture roadmap

  for payments technology platforms.
• Develop architecture blueprints, reference models, and standards for platform modernization.
• Evaluate emerging technologies (cloud, event-driven architecture, AI/ML, API gateways) and integrate them into the payments ecosystem where appropriate.
• Partner with leadership to align architecture strategy with business objectives and regulatory requirements.

Payments Architecture & Domain Expertise

• Architect and enhance payment processing workflows including

  ACH, SWIFT, RTP, card payments, UPI, FAST/Instant Payments

  , and other domestic/international rails.
• Lead architecture design for integrations with major payment platforms and services such as:

• ACI, FIS, Fiserv, SWIFT, RTP, ISO 8583, ISO 20022

• Ensure high throughput, low latency, and reliability for real-time and near–real-time payment systems.
• Define solutions for fraud detection, reconciliation, settlement, dispute handling, and transaction reporting.

Cloud & Microservices Architecture

• Design scalable, cloud-native, distributed systems using

  AWS, Azure

  , and hybrid cloud models.
• Architect

  microservices

  , domain-driven designs (DDD), API-first patterns, and event-driven architectures (Kafka, SNS/SQS, MQ).
• Guide teams on cloud best practices including autoscaling, high availability, cost optimization, resiliency, and disaster recovery.

Security, Compliance & Risk Management

• Ensure end-to-end security for payment systems including encryption, tokenization, identity management, and secure APIs.
• Implement architectures compliant with regulatory frameworks such as

  PCI-DSS, SOC2, FFIEC, GDPR

  , and region-specific payment rules.
• Work with InfoSec teams to implement secure data flows, audit trails, and monitoring systems.

Technical Leadership & Collaboration

• Work with engineering managers, solution architects, and senior developers to implement architecture standards.
• Conduct architecture reviews, design walkthroughs, and technical assessments.
• Mentor engineering teams on best practices, design patterns, performance optimization, and secure coding.
• Collaborate closely with business, operations, and compliance teams to gather requirements and translate them into scalable solutions.

Documentation & Governance

• Create architecture documents, high-level designs (HLD), sequence diagrams, and integration specifications.
• Establish governance processes for technology adoption, data flows, and platform evolution.
• Maintain architecture repositories aligned to enterprise standards.

Required Qualifications & Skills

• Bachelor’s or Master’s in

  Computer Science, Information Systems, Engineering, or related field

  .

• 10+ years of experience

  in enterprise architecture, solution architecture, or technical leadership roles.
• Strong, hands-on understanding of

  payments domain architecture

  , including systems like:
• ACI, FIS, Fiserv, SWIFT, RTP, ISO20022 messaging, ISO8583
• Deep understanding of

  financial services, banking systems, payment gateways, settlement systems

  , and transaction processing.
• Strong knowledge of

  cloud platforms (AWS/Azure)

  and skills in designing

  cloud-native microservices ecosystems

  .
• Good understanding of networking, integration patterns (EAI, ESB, API gateways), and middleware systems.
• Familiarity with

  encryption standards, security protocols

  , key management, and secure data processing.
• Excellent communication, documentation, stakeholder management, and problem-solving skills.

Preferred Skills (Nice to Have)

• Experience with event-driven architectures (Kafka, MQ, Kinesis).
• Exposure to real-time fraud detection platforms and ML-based scoring systems.
• Experience with Kubernetes, Docker, service mesh, and API gateways (Apigee, Kong, Mulesoft).
• Understanding of financial compliance frameworks and regulatory audits.
• Experience in modernizing legacy monolith systems into distributed microservices.

Soft Skills

• Strong leadership and decision-making capabilities.
• Ability to influence cross-functional teams without direct authority.
• Strategic mindset with attention to detail.
• High accountability, ownership, and ability to work in fast-paced FinTech environments.