Key Responsibilities • Design end-to-end payment solutions architecture that aligns with business objectives and regulatory requirements. • Define technical strategies for real-time payments, card processing, digital wallets, and Open Banking. • Work closely with engineering teams to implement secure and scalable payment processing platforms. • Evaluate and integrate third-party PSPs, payment gateways, and banking APIs. • Ensure compliance with UK and global payment regulations (e.g., PSD2, Open Banking, PCI DSS, ISO 20022). • Lead cloud migration and modernization initiatives, incorporating microservices, event-driven architectures, and API-first strategies. • Optimize payment flows to enhance transaction success rates, fraud prevention, and reconciliation processes. • Provide architectural guidance on security best practices, including encryption, tokenization, and fraud prevention. Essential Skills & Experience • Proven experience as a Solution Architect with a strong focus on Payments (banking, fintech, PSPs). • Expertise in payment schemes (Faster Payments, Bacs, CHAPS, SEPA, SWIFT, Card Networks like Visa/Mastercard). • Strong understanding of payment processing flows (acquiring, issuing, authorization, settlement). • Hands-on experience with ISO 8583, ISO 20022, Open Banking APIs, and EMV. • Familiarity with security best practices in payments (PCI DSS, SCA, 3DS, OAuth2). • Experience working with APIs, SDKs, and payment orchestration platforms. • Strong communication skills, with the ability to translate complex technical concepts into business-friendly language. Key Responsibilities • Design end-to-end payment solutions architecture that aligns with business objectives and regulatory requirements. • Define technical strategies for real-time payments, card processing, digital wallets, and Open Banking. • Work closely with engineering teams to implement secure and scalable payment processing platforms. • Evaluate and integrate third-party PSPs, payment gateways, and banking APIs. • Ensure compliance with UK and global payment regulations (e.g., PSD2, Open Banking, PCI DSS, ISO 20022). • Lead cloud migration and modernization initiatives, incorporating microservices, event-driven architectures, and API-first strategies. • Optimize payment flows to enhance transaction success rates, fraud prevention, and reconciliation processes. • Provide architectural guidance on security best practices, including encryption, tokenization, and fraud prevention. Essential Skills & Experience • Proven experience as a Solution Architect with a strong focus on Payments (banking, fintech, PSPs). • Expertise in payment schemes (Faster Payments, Bacs, CHAPS, SEPA, SWIFT, Card Networks like Visa/Mastercard). • Strong understanding of payment processing flows (acquiring, issuing, authorization, settlement). • Hands-on experience with ISO 8583, ISO 20022, Open Banking APIs, and EMV. • Familiarity with security best practices in payments (PCI DSS, SCA, 3DS, OAuth2). • Experience working with APIs, SDKs, and payment orchestration platforms. • Strong communication skills, with the ability to translate complex technical concepts into business-friendly language.