Job Overview:
We are seeking a highly skilled and experienced Solution Architect with deep expertise in the Payments and Cards industry. As a Solution Architect you will be responsible for designing developing and overseeing solutions that align with our business objectives and technical requirements. You will work closely with crossfunctional teams to provide endtoend payment and card solutions ensuring they are scalable secure and aligned with industry best practices.
Key Responsibilities:
Architect and Design Solutions:
Develop comprehensive technical solutions in the payments and cards domain covering transaction processing card issuance merchant acquiring payment gateways and digital wallets.
Design scalable and secure architecture for payment processing ensuring compliance with PCI DSS and other industry standards.
Architect solutions to support high availability low latency and realtime processing in hightransaction environments.
Technology Leadership:
Lead the evaluation and selection of payment processing technologies card management systems (CMS) fraud detection systems and related components.
Ensure seamless integration with external systems like banks acquirers payment networks (Visa MasterCard etc.) and thirdparty services.
Act as the technical subject matter expert for payments and cards providing guidance on industry trends emerging technologies and best practices.
Stakeholder Collaboration:
Work closely with business stakeholders to understand requirements and translate them into functional and technical designs.
Collaborate with development infrastructure and DevOps teams to ensure successful implementation and deployment of solutions.
Partner with compliance and security teams to ensure all solutions adhere to regulatory requirements including PSD2 EMV 3D Secure and PCI standards.
Integration and Implementation:
Design APIbased integration strategies for external partners such as card networks payment gateways fraud monitoring systems and KYC (Know Your Customer) platforms.
Provide leadership in the migration of legacy systems to modern cloudbased platforms.
Ensure all payment solutions are robust futureproof and capable of supporting global markets with multiple currencies and payment methods.
Performance and Optimization:
Monitor performance and scalability of payment and card processing systems identifying and addressing potential bottlenecks.
Lead efforts to improve system resilience optimizing transaction flows reducing transaction failures and enhancing security.
Qualifications:
Education:
Bachelors or Masters degree in Computer Science Information Technology or related field.
Experience:
Minimum of 12 years of experience in solution architecture with a focus on payments and cards.
Strong experience with payment platforms card issuance payment processing networks (Visa MasterCard Amex) and gateways.
Proven track record in implementing and scaling solutions in a highvolume hightransaction environment.
Experience with technologies like ISO 8583 EMV NFC tokenization and 3D Secure.
Handson experience with APIs microservices architecture cloud platforms (AWS Azure GCP) and payment security protocols.
Skills:
Deep understanding of payment processing merchant acquiring digital wallets and card issuing lifecycles.
Strong knowledge of regulatory and compliance requirements in the payments industry (e.g. PCI DSS PSD2 GDPR).
Experience with modern software development practices including DevOps CI/CD pipelines containerization (Docker/Kubernetes).
Excellent communication and presentation skills with the ability to interact with technical and nontechnical stakeholders.
Preferred Skills:
Familiarity with emerging payment technologies such as blockchain open banking and realtime payments.
Experience with fraud detection risk management and antimoney laundering (AML) systems.
Previous experience in digital transformation projects involving legacy payment systems.