Job Description:
* We are seeking a Payments Architect with strong expertise in payment system architecture, clearing mechanisms, and business analysis. The ideal candidate should have experience in SEPA (SCT & Instant), RTGS, ACH, ISO 20022 migration, SWIFT messaging (MT/MX), and cross-border payments.
* This role requires both technical leadership and business analysis proficiency, ensuring seamless design and implementation of payment solutions while engaging with regulators, payment schemes, and internal stakeholders.
Key Responsibilities:
* Architect and design payment solutions aligned with global standards, including SEPA SCT/Instant, RTGS, ACH, & TARGET2.
* Lead ISO 20022 migration projects, ensuring alignment with SWIFT MX and GPI standards.
* Collaborate with regulators and payment schemes to facilitate direct or indirect participation in payment networks.
* Conduct gap analysis and requirement validation to ensure completeness and accuracy in payment system implementations.
* Drive payment system modernization initiatives, including real-time payment processing, accelerated settlements, and API-based payment integrations.
* Lead business analysis activities, including functional requirement gathering, solution documentation, and process reengineering.
Required Skills & Experience:
* 12+ years of experience in Payment Architecture, Solution Design, and Business Analysis within the banking or fintech sector.
* Expertise in SEPA SCT & Instant, RTGS, ACH, SWIFT (MT/MX), ISO 20022, and real-time payments.
* Strong knowledge of payment settlement mechanisms and FX integration.
* Experience working with payment system regulators and payment scheme participation (direct/indirect).
* Proficiency in requirement gathering, process mapping, and gap analysis to identify and mitigate missed requirements.
* Hands-on experience with payment orchestration, billing integration, and high-value/low-value payment processing.
* Experience in Agile methodologies, working with cross-functional teams in a financial institution or fintech environment.
* Ability to engage with stakeholders across business, operations, IT, and regulatory bodies to ensure smooth implementation of payment solutions