Payment Architect

Job Title: Payment Architect (SME)Location: Miami, FLDuration: Long termRole Summary:We are seeking an experienced Enterprise Payment Architect (SME) with deep domain expertise across modern payment systems. This is a functional and solution-focused role, requiring strong experience in payment transformations and system integrations, rather than hands-on development.Key Responsibilities:Design and drive end-to-end payment architecture across enterprise systemsLead integration of payment platforms, banking systems, and third-party ecosystemsWork with COTS/off-the-shelf payment solutions and ensure seamless connectivityDefine and optimize payment flows, data models, and processing frameworksCollaborate with business, product, and technology teams to align architecture with business goalsSupport payment modernization and transformation initiativesEnsure compliance with industry standards and messaging formatsRequired Skills & Experience:Strong hands-on experience in payments domain:ACHWiresRTP (Real-Time Payments)Payment hubsSolid understanding of ISO 20022 messaging standards and payment data flowsProven experience in payment system integrations (API, middleware, messaging systems)Experience working with COTS payment platforms (e.g., Finastra, FIS, ACI, etc.)Expertise in end-to-end payment lifecycle and architecture designStrong functional knowledge with ability to translate business requirements into solutionsExperience in large-scale payment transformation programsAbility to go deep into payment processes without being coding-heavyPreferred Qualifications:Experience with banking or financial services environmentsExposure to cloud-based payment architecturesStrong stakeholder management and communication skills