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 reengineering. * Experience in Corporate Banking with the following products would be ideal: * 10 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