Senior Payments Architect

Substantial experience architecting or leading the design of production payment systems, ideally at meaningful transaction volume. Deep understanding of the payments lifecycle: authorization, capture, settlement, refunds, chargebacks/disputes, and reconciliation. Strong grasp of distributed systems fundamentals — consistency models, idempotency, concurrency, eventual consistency, and designing for partial failure. Practical experience integrating with at least one category of external payment infrastructure: card processors/acquirers, PSPs/gateways, or bank rails. Hands-on experience with payment orchestration platforms — routing and failover across multiple processors, smart/least-cost routing, retry and cascading logic, and vaulting/tokenization — whether built in-house or using a commercial layer (e.g. Spreedly, Gr4vy, Primer, BR-DGE). Solid understanding of double-entry ledgering and why financial systems favor immutable, auditable records over mutable balances. Working knowledge of payments security and compliance: PCI DSS, tokenization, encryption, and secure handling of cardholder or account data. Demonstrated ability to leverage AI tools to enhance productivity, streamline workflows, and support data-informed task execution. Familiarity with AI-enhanced platforms is a plus. A solid understanding of AI capabilities and limitations including ethical considerations is expected Ability to lead through influence — writing clear design docs, running architecture reviews, and aligning multiple teams on a shared direction. Nice to have Familiarity with payment messaging standards such as ISO 8583 (card) and ISO 20022 (bank/real-time rails). Experience with real-time payment rails (e.g. FedNow, RTP, SEPA Instant, Faster Payments, UPI) or ACH/SEPA batch schemes. Exposure to 3-D Secure 2.x, Strong Customer Authentication (PSD2/SCA), and network tokenization. Experience with fraud and risk systems, and how they interact with authorization decisioning. Background in a regulated environment (banking, EMI, money transmitter) and familiarity with the associated audit and reporting obligations. Multi-currency, FX, or cross-border settlement experience. Experience with event-driven architectures, and with the cloud and data platforms we use ([e.g. AWS/GCP/Azure, Kafka, your primary languages]).

About THE Team

Our Financial Services team empowers leading financial institutions to accelerate digital transformation and achieve sustainable growth. We bring together deep industry expertise and innovative technologies, including AI, to help clients reimagine their operations, enhance customer experiences, and stay ahead in a rapidly evolving market. From intelligent data platforms and customer analytics to AI-driven risk management and compliance solutions, we help firms operate more efficiently, build loyalty, and drive measurable impact. ADDITIONAL INFORMATION The salary range for this position takes into consideration a variety of factors, including but not limited to skill sets, level of experience, applicable office location, training, licensure and certifications, and other business and organizational needs. The new hire salary range displays the minimum and maximum salary targets for this position across all US locations, and the range has not been adjusted for any specific state differentials. It is not typical for a candidate to be hired at or near the top of the range for their role, and compensation decisions are dependent on the unique facts and circumstances regarding each candidate. A reasonable estimate of the current salary range for this position is $ 92118 to $ 202730. Please note that the salary range posted reflects the base salary only and does not include benefits or any potential variable compensation programs. Information regarding the benefits available for this position are in our benefits overview . #LI-MG1