Salary: £42,000 - 82,000 per year Requirements:
* Payments domain expertise
* Strong experience across payments execution processes such as orchestration, order management, clearing, settlement, reconciliations, exception handling and returns
* Practical scheme knowledge in at least several of the following: Bacs, Faster Payments, CHAPS, SWIFT, SEPA, cheques
* Ability to discuss scheme rules, settlement cycles, messaging flows, operational constraints and compliance obligations in detail
* Deep understanding of ISO 20022 including message structure, mandatory and optional elements, data modelling, mapping, validation and cross scheme differences
* Experience designing or reviewing solutions that implement ISO 20022 end to end
* Significant experience as a Solution Architect in complex financial services environments
* Ability to produce clear functional architecture, design logical components and define interactions between systems
* Experience balancing business outcomes with long-term technical strategy
* Experience governing technical designs produced by engineering teams
* Strong communication and stakeholder engagement abilities
* Practical, delivery-focused mindset
* Able to operate independently in a fast-moving environment
* Evidence of thought leadership, ownership and initiative
* Knowledge of BIAN, TOGAF, ArchiMate or C4 (desirable)
* Experience with Avolution Abacus or similar architecture tools (desirable)
* Familiarity with microservices, API integration patterns and cloud concepts such as AWS (desirable)
* Exposure to global banking environments or large scale payment transformations (desirable)
Responsibilities:
* Support the modernisation of our payments estate and the migration of legacy platforms to the Payments Hub (PagoNxt)
* Design solutions for core payment processing
* Produce clear functional architecture and design logical components
* Define interactions between systems
* Review and govern technical designs produced by engineering teams
* Engage with stakeholders and communicate effectively
* Balance business outcomes with long term technical strategy
* Operate independently in a fast-moving environment and deliver results
Technologies:
* Abacus
* API
* AWS
* Architect
* ArchiMate
* Cloud
* Support
* Swift
* TOGAF
* microservices
More:
At Santander UK, we are expanding our Payments Solution Architecture team and seeking senior level architects to contribute to our payment processing initiatives. Our location is in Milton Keynes with a flexible work schedule of 2-3 days in the office. We offer a collaborative work environment where you will have the opportunity to play a critical role in the modernization of our payments systems. You will join a dedicated team focused on transforming our payments estate and will be encouraged to bring your expertise in payments architecture to the table.
last updated 1 week of 2026