Below are the details of the position: Job Title: Payments Architect (with Business Analysis Expertise) Work Location: Bromley, UK (Hybrid – 3 days a week) 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. * 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 reengi...