Overview

Job Title: Solution Architect - FinTech (Payments). Location: London/Hybrid. Contract Type: Permanent. Salary: £(Apply online only)k per annum. Start Date: ASAP.

We are seeking a highly skilled Solution Architect to join our Fintech customer on a pivotal transformation programme, consolidating multiple platforms into a single unified ecosystem. This role will sit at the intersection of technology, product, operations, compliance driving architectural design and governance to ensure seamless integration across payments, clients, finance, compliance, user experience and numerous partners systems. The successful candidate will demonstrate a solid experience in Payments & Fintech, and be able to design robust, scalable, compliant and secure solutions that meet the business objectives, technical and regulatory requirements.

Responsibilities

• Lead the end-to-end solution design architecture for the consolidation of legacy payment platforms into one, a major business and technical transformation
• Architectural design covers all facets of a payment processing platform, including core payment processing, finance processes, customer lifecycle management, fraud/anti money laundering solutions
• Collaborate with the Product team to understand the business requirements, and formulate design documentation, both high enterprise-level and low API levels
• Partner with Technology teams to translate business objectives into architectural blueprints and technical roadmaps. Provide technical leadership to the Tech teams throughout the implementation phases. Oversee solution implementation, resolving/escalating risks and issues as they arise
• Ensures the designs are compliant with the numerous regulations such as PCI/DSS, PSD, Electronic Money, AML and GDPR
• Define and document target-state architecture, including integration patterns, data flows, and security models. Produce high quality documentation such as architecture diagrams or design specifications
• Ensure all designs comply with regulatory and compliance frameworks, particularly around KYC, KYB, AML, and payments processing
• Contribute to the technology strategy for payments, digital wallets, and user experience platforms, aligning with best practice and emerging fintech trends
• Act as a key advisor to stakeholders on architectural trade-offs, costs, scalability, and risk.
• Participate in architecture/technical governance meetings
• Evaluate emerging technologies, runs proofs of concepts when required

Key Skills & Experience

• Proven track record (2+ years) as a Solution Architect in financial services or fintech, ideally within a payment's environment
• Strong knowledge of payments processing, card, digital wallets, money movement, and financial ecosystems. Familiarity with as many banking networks as possible: UK (Faster Payments, BACS), Europe (SEPA), Australia (NPP), US. Familiarity with Swift and/or foreign exchange partners is beneficial
• Detailed awareness of compliance requirements: KYC, KYB, AML, GDPR, PCI/DSS, PSD, Electronic Money.
• Hands-on knowledge of integration patterns, APIs, cloud services such as AWS/Azure, and security frameworks. Strong technical understanding of RESTful APIs, micro services architectures, messaging systems. Familiar with cloud technologies. Azure would be beneficial.
• Strong stakeholder management and communication skills, with ability to communicate complex technical solutions to non-technical audiences
• Demonstrable experience in platform consolidation or large-scale system migrations
• Proactive, self-starter, thrives at problem solving

Preferred Qualifications

• TOGAF, BCS, or equivalent architectural certification
• Experience with regulatory-driven transformation programmes in fintech or payments
• Background in e-wallets, payment gateways, or digital banking platforms