ATO Architect BFSI (Architecture, Technology & Operations)

ATO Architect

Key Responsibilities

1) BFSI Architecture Leadership & Strategy

• Own

  enterprise architecture blueprints

  (business, application, data, integration, infra) aligned to BFSI business outcomes:

  STP rates

  ,

  fraud reduction

  ,

  time-to-market

  ,

  risk controls

  .
• Define

  target-state architectures

  and

  multi-year roadmaps

  for

  core banking

  ,

  payments modernization

  (NEFT/RTGS/IMPS/UPI, ISO 20022, SWIFT),

  cards

  ,

  lending

  ,

  insurance

  and

  capital markets

  platforms.
• Establish and lead

  Architecture Review Boards (ARBs)

  ensuring NFRs (security, availability, latency, compliance) and architecture guardrails are met.

2) Regulatory & Compliance by Design

• Embed controls for

  RBI/NPCI guidance

  ,

  PCI-DSS

  ,

  SWIFT CSP

  ,

  BCBS 239

  (risk data aggregation),

  SOX

  (where applicable),

  DPDP Act (India)

  ,

  GDPR/PSD2/Open Banking

  (for global engagements).
• Define

  data residency

  patterns and

  privacy-by-design

  (encryption, tokenization, consent, audit trails, data lineage, retention & destruction).
• Partner with Risk/Compliance to map

  architectural controls to regulatory obligations

  , ensuring audit readiness and traceability.

3) Solution Architecture & Domain Patterns (Java/.NET)

• Lead complex designs for

  microservices

  ,

  API-first

  ,

  event-driven

  and

  distributed systems

  on

  Java/Spring Boot

  or

  .NET/.NET Core

  .
• Define BFSI-specific patterns:

  idempotent processing

  ,

  SAGA orchestration

  ,

  exactly/at-least-once semantics

  ,

  transactional messaging

  ,

  PCI tokenization flows

  ,

  auth/2FA

  .
• Produce

  reference architectures

  ,

  pattern libraries

  , and

  implementation guides

  for delivery teams and partners.

4) Cloud & Modernization (Hybrid/Multi-Cloud)

• Architect large-scale

  cloud migrations

  (IaaS/PaaS),

  containerization

  and

  Kubernetes

  adoption with

  private connectivity

  ,

  VNet/VPC peering

  ,

  private endpoints

  ,

  HSM/KMS

  integration.
• Implement

  cloud-native services

  (serverless, managed databases, streaming) with

  FinOps

  and

  cost guardrails

  tuned for BFSI workloads.
• Ensure

  security-by-design

  :

  zero trust

  ,

  secret management

  ,

  policy-as-code

  ,

  runtime protection

  ,

  vulnerability mgmt

  ,

  pen-testing readiness

  .

5) Operations, Reliability & SRE

• Define

  operational architecture

  : observability (logs/metrics/traces),

  SLO/SLI

  ,

  error budgets

  ,

  chaos testing

  ,

  resilience engineering

  .
• Engineer

  HA/DR architectures

  (active-active/active-passive), RTO/RPO policies,

  DR drills

  ,

  capacity planning

  for peak events (e.g., end-of-quarter EOD, payment surges).
• Drive

  operational runbooks

  ,

  incident playbooks

  , and

  service recovery

  for mission-critical BFSI services.

6) Data, Risk & Analytics Enablement

• Govern

  risk & finance data

  (lineage, quality, timeliness) aligned to

  BCBS 239

  ; enable

  real-time fraud detection

  and

  AML/KYC

  stacks using streaming and feature stores.
• Define

  Customer 360/MDM

  patterns,

  reference data

  governance, and

  secure data sharing

  for analytics while meeting privacy obligations.
• Partner with Risk/Model teams for

  model ops

  (controls, monitoring, explainability) and deployment guardrails.

7) Stakeholder Engagement & Advisory

• Trusted advisor to

  CxOs, CIO/CTO, CRO/CFO functions, Enterprise Architects, Product Owners

  .
• Lead

  pre-sales solutioning, RFP/RFI responses

  , estimation, risk assessments, and

  win themes

  for BFSI pursuits.
• Conduct

  architecture due diligences

  ,

  health checks

  , and

  modernization assessments

  with clear findings and action plans.

Required Qualifications

• 20+ years of IT experience

  , including

  10+ years in architecture

  roles.
• Prior hands-on

  Technical/Solution Architect

  in

  Java (Spring/Spring Boot)

  or

  .NET (.NET Core/ASP.NET)

  with BFSI-grade distributed systems.
• Strong mastery of

  architecture frameworks

  :

  TOGAF

  ,

  Zachman

  (SAFe/ITIL/COBIT exposure is a plus).
• Proven delivery across

  hybrid/multi-cloud

  in regulated environments with

  data residency

  and

  security

  constraints.

Certifications (Preferred)

• AWS Certified Solutions Architect (Pro/Assoc)

  or

  Microsoft Azure Solutions Architect Expert

• TOGAF

  (9 or latest standard)
• Security/Cloud:

  CISSP/CCSP

  ,

  CKA/CKAD

  ,

  ITIL v4

  ,

  FinOps

  (nice-to-have)
• BFSI compliance exposure:

  PCI-DSS

  (ISA/QSA collaboration),

  SWIFT CSP

  programs (experience preferred)

  Role & responsibilities

Preferred candidate profile