Architect consumer-facing financial solutions including digital bank accounts, savings and checking tools,co-branded credit card products, and embedded finance capabilities.Define and maintain architectural standards for integration with BaaS providers, cardissuers/processors, KYC/AML vendors, and payment networks (Visa, Mastercard).Collaborate with product managers, UX designers, and engineers to build intuitive and secure financialexperiences for mobile-first consumers.Lead technology evaluations for third-party fintech partners covering card issuance, core bankingplatforms, data aggregation, and personal finance management.Ensure secure architecture and data design for customer onboarding, credit decisioning, accountservicing, and financial transactions.Champion privacy, data protection, and regulatory compliance (including PCI, GLBA, CFPB, and Reg E)across consumer facing FinTech platforms.Implement scalable API architectures for money movement (ACH, debit rails, instant payout), cardmanagement, account funding, and transaction data enrichment.Provide architectural oversight for loyalty integrations, rewards platforms, and customer engagementengines tied to credit and banking products.Lead proof-of-concept initiatives to test emerging fintech capabilities such as credit scoring models,instant issuing, and account verification innovations.Maintain system documentation, architecture blueprints, and technical standards to guide developmentand cross-team partnerships.Act as a strategic advisor on Fin Tech trends and platform roadmaps—ensuring the company deliversdifferentiated and forward-looking financial products that improve customer experience.
Knowledge, Skill, Experience 7-10 years of experience:
In financial services, FinTech, or digital banking environments with customer-facing productdelivery.
(Required) In enterprise systems architecture, software engineering, or infrastructure design at scale.
(Required)5+ years of experience:Crafting or integrating consumer banking platforms, credit card issuance systems, or BaaSplatforms (e.g., Galileo, Marqeta, Synapse, Bond, Unit).
(Preferred) Working with KYC/AML vendors, fraud prevention tools, or financial data aggregators (e.g.,Alloy, Persona, Plaid, Trustly, MX).
(Preferred)4-7 years of experience:In mobile and web application architecture for financial products, including account opening,card activation, and account servicing.
(Required) Crafting compliant FinTech systems within the framework of PCI DSS, SOC 2, and otherregulatory obligations.
(Preferred) With cloud-native development (AWS, GCP, Azure), containerization (Docker and Kubernetes),and API-first ecosystems.
Education:Bachelor’s degree in computer science, Engineering, or a related field. Advanced degrees orbusiness/fintech certifications are a plus.Licenses and
Certifications: Certifications such as AWS Architect, TOGAF, CISSP, or fintech/banking-specific credentials (e.g., FCP,CRCM) are desirable.