Current Account Jr. Architect
Posted Today by Hays
£495 Per day
Inside
Hybrid
Knutsford, England, United Kingdom
Summary: The Current Accounts Jr. Architect role at a leading Banking and Financial service provider focuses on expertise in Current Accounts, particularly Packaged Accounts and Paid-for Accounts, within large-scale UK retail banking platforms. The position requires end-to-end architecture experience, collaboration with various teams, and a strong understanding of customer onboarding and account lifecycle management. The ideal candidate will engage in solution design and modernization of legacy systems while ensuring compliance with regulatory standards. This role is based in Knutsford and involves a hybrid work schedule.
Key Responsibilities:
- Architecture and solution design for Current Account and Packaged Account journeys across origination, servicing, charging, and account maintenance
- Creation of high-level and low-level architecture artefacts aligned with client enterprise architecture standards
- Collaboration with Product Owners, Business Analysts, Engineering Leads, and Platform SMEs to define functional and non-functional requirements
- Modernisation of legacy account platforms into strategic target systems and reusable APIs
- Review of existing architectures with recommendations to improve scalability, performance, resilience, and regulatory compliance
- Support for regulatory and compliance initiatives, including FCA requirements, packaged account suitability, disclosures, and fee-related rules
- Provision of architectural governance, ensuring adherence to security, data, integration, and technology standards
- Partnership with upstream and downstream platforms including payments, statements, digital channels, fraud/risk, and customer communications
- Guidance to engineering teams during build and delivery phases to ensure alignment with approved architectural intent
Key Skills:
- Extensive experience in banking technology, with 3+ years operating in architecture-focused roles
- Deep domain expertise in Current Accounts, including Packaged and paid-for accounts, monthly charging models, customer benefit eligibility, and account lifecycle management
- Proven experience working with major UK retail banking platforms, such as Nationwide, Santander, Lloyds, HSBC, and RBS/NatWest
- Strong track record of delivering large-scale transformation programmes
- Skilled at translating business requirements into scalable, resilient, and secure architectural solutions
- Solid understanding of modern architectural approaches, including microservices-based architectures and event-driven design
- Experienced in Agile delivery environments, collaborating closely with cross-functional squads
- Strong communication and influencing skills, with the ability to articulate architectural decisions and engage effectively with senior stakeholders
Salary (Rate): £495 per day
City: Knutsford
Country: United Kingdom
Working Arrangements: hybrid
IR35 Status: inside IR35
Seniority Level: undetermined
Industry: Other
Join a leading Banking and Financial service provider as a Current Accounts Jr. Architect!
Job Overview: Expertise in Current Accounts, specifically Packaged Accounts / Paid-for Accounts, who has worked on large-scale UK retail banking platforms such as Nationwide, Santander, Lloyds, or similar Tier-1 banks. The ideal candidate brings end-to-end architecture experience across customer onboarding, eligibility, benefits management, charging, servicing, and account lifecycle scenarios. The role requires domain knowledge, solution design capability, and hands-on engagement with engineering and product teams across a multi-platform environment.
Location : Knutsford
Rate : In-scope IR35 £495 per day (via a Hays Approved Umbrella Company).
Contract Duration: 31/12/2026
Work Schedule : 2-3 days onsite/week
Key Responsibilities
- Architecture and solution design for Current Account and Packaged Account journeys across origination, servicing, charging, and account maintenance
- Creation of high-level and low-level architecture artefacts aligned with client enterprise architecture standards
- Collaboration with Product Owners, Business Analysts, Engineering Leads, and Platform SMEs to define functional and non-functional requirements
- Modernisation of legacy account platforms into strategic target systems and reusable APIs
- Review of existing architectures with recommendations to improve scalability, performance, resilience, and regulatory compliance
- Support for regulatory and compliance initiatives, including FCA requirements, packaged account suitability, disclosures, and fee-related rules
- Provision of architectural governance, ensuring adherence to security, data, integration, and technology standards
- Partnership with upstream and downstream platforms including payments, statements, digital channels, fraud/risk, and customer communications
- Guidance to engineering teams during build and delivery phases to ensure alignment with approved architectural intent
Experience & Expertise
- Extensive experience in banking technology, with 3+ years operating in architecture-focused roles.
- Deep domain expertise in Current Accounts, including: Packaged and paid-for accounts, Monthly charging models, Customer benefit eligibility, Account lifecycle management, Overdrafts, mandates, and account switching (CASS)
- Banking Platforms & Transformations
- Proven experience working with major UK retail banking platforms, such as Nationwide, Santander, Lloyds, HSBC, and RBS/NatWest.
- Strong track record of delivering large-scale transformation programmes, covering: Core banking platforms, Customer onboarding solutions, Account servicing and digital channels, API-led and service-based integrations
- Architecture & Delivery
- Skilled at translating business requirements into scalable, resilient, and secure architectural solutions.
- Solid understanding of modern architectural approaches, including: Microservices-based architectures, Event-driven design, Cloud-native principles (nice to have, subject to client’s technology context)
- Experienced in Agile delivery environments, collaborating closely with cross-functional squads.
- Stakeholder Engagement
- Strong communication and influencing skills, with the ability to articulate architectural decisions, manage trade-offs, and engage effectively with senior stakeholders.
Nice to Have
- Prior exposure to client platforms, processes, or architecture frameworks.
- Experience with regulatory, compliance, and financial crime considerations relevant to retail banking products.
- Understanding of UK packaged account frameworks, including integrations for services such as travel insurance and breakdown cover.
Additional Information:
Interview Process : In Person / Teams
How to Apply: If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call us now. If this job isn't quite right for you, but you are looking for a new position, please contact us for a confidential discussion about your career.