Payment Architect

Position: Payment Architect (Remote) 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 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.