FraudProven expertise in:Merchant underwriting & KYBSecure coding best practicesCan challenge stakeholders constructivelyPaysafe is a global payments platform powering the experience economy, with a strong focus on the iGaming, video gaming, e-commerce, retail, travel and hospitality sectors. With 30 years of expertise in payment technology, Paysafe helps businesses and consumers lift every experience through seamless, secure payment solutions, including card payments, digital wallets such as Skrill, eCash solutions like PaysafeCard, and a suite of local payment methods. With approximately 2,900 employees across 12 countries and annualized transactional volume of $167 billion in 2025, Paysafe connects people and businesses worldwide through innovative digital payment experiences. Further information is available at www.paysafe.com.It starts here. Have a global impact on the world of payments.Principal Architect – Risk PlatformWe are seeking a senior, strategic principal architect to define and drive the architectural vision of Paysafe’s global Risk capabilities. This is not a narrow solution role.Risk at Paysafe does not operate with traditional product teams. As such, this architect will:Act as the architectural authority and product-level thought partner for RiskTranslate regulatory and commercial objectives into scalable platform capabilitiesDefine the long‑term Risk technology roadmapShape how we build, integrate, orchestrate, and evolve risk engines globallyYou will operate at the intersection of architecture, regulation, platform engineering, and product strategy.What Paysafe stands forBeing open and honest.Keeping focused.Operating with courage.Pioneering the future.Our values and culture are driven by Equality, Development, Social Responsibility and Wellbeing. If you want to find out more about life at Paysafe, check out our careers page here.How we workWe follow a hybrid working model, spending an average of three days per week at our office location. The office is located in Gresham Street next to St Paul’s cathedral with easy access and transport links via St Paul’s, Bank, Cannon Street, City Thameslink, Liverpool Street, Farringdon, Mansion House.What You Will OwnRisk Platform Vision & ArchitectureDefine and evolve the target architecture for the global Risk PlatformDesign end‑to‑end architectures for:Merchant underwriting and KYBTransaction risk screening (real‑time)Merchant monitoringAML transaction monitoringPEP & sanctions screeningIdentity verification & device intelligenceOngoing due diligence and regulatory reportingEstablish domain boundaries and service decomposition for risk capabilitiesDefine scalable API contracts and event‑driven flows for decisioning and reportingRegulatory Translation into ArchitectureLead structured discovery sessions with:RiskComplianceLegalRegulatoryKYC / AMLFraudSanctionsTranslate AML, CDD/EDD, PSD2/PSD3, EMI licensing, and regional regulatory obligations into:Platform capabilitiesAudit‑ready data modelsTraceable decision workflowsEnsure architectures support:Regulatory explainabilityModel governanceAudit trailsData lineageReporting obligations across UK, EU, and USReal‑Time Risk & Event‑Driven DecisioningArchitect high‑availability, low‑latency decisioning systemsDefine integration patterns for:ML‑driven risk enginesRule enginesReal‑time scoringDesign event‑driven architectures using:Kafka / streaming frameworksAsynchronous workflowsOrchestration and fallback strategiesEnsure deterministic and observable decision pipelinesVendor & Ecosystem OrchestrationArchitect integrations with external risk/compliance vendors such as:LexisNexisEkataDevice intelligence providersAML enginesSanctions screening servicesDefine:Vendor abstraction layersData mapping strategiesOrchestration patternsVendor substitution capabilityFallback and resilience patternsReduce lock‑in while preserving regulatory robustnessCloud‑Native Platform EngineeringDesign cloud‑native, horizontally scalable risk services in AWS/AzureDefine:Microservices architectureAPI gateway strategiesIdentity and access control modelsData partitioning and sovereignty controlsArchitect for:Multi‑region resiliencyActive‑active failoverRegulatory data residency constraintsEstablish patterns for:ObservabilityTraceabilitySecure secret managementInfrastructure as CodeData & Reporting ArchitectureDesign structured, semi‑structured, and event‑based data persistence strategiesSupport:Real‑time decisioningBatch AML monitoringRegulatory reportingDefine golden‑source data domains for:MerchantsTransactionsRisk signalsCase managementEnsure compatibility with enterprise data lake and analytics platformsArchitectural Governance & LeadershipAct as trusted adviser to Risk leadershipInfluence roadmap prioritization and capability sequencingMentor engineers and domain architectsDrive architecture standards and review forumsCollaborate across Merchant, Consumer, and Platform engineering groupsTechnical Expertise Required10+ years in architecture and engineering rolesDeep experience in risk and compliance systems within fintech or paymentsProven expertise in:Real‑time transaction risk screeningAML transaction monitoringMerchant underwriting & KYBCredit risk monitoringSanctions & PEP screeningStrong hands‑on knowledge of:Microservices architecturesEvent‑driven architecturesKafka / streaming systemsAPI‑first designSecure coding best practicesExperience designing structured and event‑based data modelsCloud‑native architecture experience (AWS or Azure; multi‑region preferred)Strong background in:C# / .NETJava / Spring BootExperience integrating third‑party risk vendorsDomain & Regulatory KnowledgeStrong understanding of:AMLD requirementsPSD2 / PSD3PCI DSSEMI / E‑money licensing constraintsUK FCA expectationsFamiliarity with:Model governance frameworksExplainable AI in risk decisioningAudit and regulatory inspection readinessWhat Makes This Role DifferentShape the Risk Platform as a productInfluence regulatory readiness at architectural levelDesign systems that protect Paysafe’s balance sheetEnable commercial growth while reducing fraud and regulatory exposureIdeal ProfileSystems thinker with regulatory fluencyComfortable in ambiguityCommercially awareCan challenge stakeholders constructivelyAble to operate at board‑level discussions and deep technical reviewsA snippet of what you’ll get in returnMake your day work for you with our flexible working hours.You decide what your holiday looks like with the option to buy or sell your holiday and carry over up to 5 days into the next year.Enjoy social events on our roof top terrace with views onto St Pauls Cathedral.Our fully equipped facilities include showers, hairdryers and straighteners and fresh towels.Start your day with a free breakfast, fresh fruit and snacks.Take a breather in our dedicated wellbeing room.Spend time with those important to you with our enhanced paid family policies.Test our products Skrill and Neteller. Upon joining we will award you £50 into each wallet.Enjoy our discounts on memberships via vitality including, gyms, leisure centres, yoga/Pilates across the country.Need a new Laptop or TV? We offer support purchasing Apple and LG products via Stormfront technology.Join our six employee‑led equality communities and help foster a workplace that celebrates diversity and create opportunities to collaborate and learn.Give back to the community with four paid charity days.Kickstart your weekend early with our summer hours during the months of June, July and August with a 3pm finish every Friday.Let’s not forget, we also offer: Private health insurance (pre‑existing conditions are included) & dental insurance, income protection, life assurance and more.What to expect nextPhone screen with Talent AcquisitionVideo introduction with the Hiring Manager.Technical interviews with members of the team.Business interview with key stakeholder.Invited into the office for HR interview and to meet the team.If you’re successful joining the team, you’ll be meeting our CEO in person during our new joiners breakfast in London – a great opportunity to network with your peers.Equal Employment OpportunityPaysafe is an equal opportunity employer. We value diversity and are committed to providing a work environment of mutual respect to everyone without regard to race, color, religion, national origin, age, gender identity or expression, or any other characteristic protected by applicable laws, regulations and ordinances.
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