Payments Architect

Job Description

Position - Payments Architect

Location - Remote

Experience - 5+ Years

Type - W2 Contract

Core Experience

• 5+ years of hands-on experience in payments solution design and implementation.
• Deep working knowledge of payments industry domains (1 or 2 out of list minimum).
• RTGS (Real-Time Gross Settlement) systems.
• Real-time payment networks and schemes.
• Check processing systems.
• SWIFT and international payment protocols (Wires).
• Other clearing and settlement systems.

Technical Architecture

• Expertise in interoperability and integration architecture:
• ISO 20022 standards and implementations.
• Enterprise integration patterns and design principles.
• System-to-system communication protocols.
• Advanced knowledge of modern application architecture:
• Microservices architecture and design patterns.
• Event-driven architectures and event streaming platforms (Kafka, RabbitMQ, etc.).
• Message queuing systems and asynchronous processing.
• API-first design methodologies.

Database & Data Management

• Extensive experience with mainstream RDBMS platforms (Oracle, PostgreSQL, SQL Server, etc.).
• Exposure to distributed database systems and eventual consistency patterns.
• Understanding of data governance and data quality in payment systems.

Security & Infrastructure

• ISO 27001 compliance and information security management.
• NIST Cybersecurity Framework knowledge and implementation experience.
• API Security expertise:
• OAuth 2.0 and OpenID Connect (OIDC).
• JWT, JWS (JSON Web Signature), and JWE (JSON Web Encryption).
• API authentication, authorization, and rate limiting.
• Secure API gateway implementation.
• Web Front-End Security:
• OWASP Top 10 mitigation strategies.
• Secure coding practices for payment interfaces.
• PCI DSS compliance for web applications.

Emerging Technologies

• Knowledge and exploratory experience with Agentic AI and intelligent automation in payments.
• Understanding of tokenized assets, digital wallets, and blockchain applications in payment systems.
• Ability to evaluate new technologies for payment industry relevance.