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For Companies At a Glance
- Tasks: Design and implement innovative payment solutions using cutting-edge technology.
- Company: Join Ascendion, a global leader in AI-first software engineering services.
- Benefits: Competitive salary, flexible work options, and opportunities for professional growth.
- Why this job: Make a real impact in the fintech world with your expertise in payments.
- Qualifications: 10+ years in payment architecture and strong analytical skills required.
- Other info: Dynamic team environment with a focus on innovation and collaboration.
The predicted salary is between 72000 - 108000 £ per year.
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, RTGS, ACH, & TARGET2.
- 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.
Required Skills & Experience
- 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.
About Us
- Ascendion is a global, leading provider of AI-first software engineering services, delivering transformative solutions across North America, APAC, and Europe. We are headquartered in New Jersey. We combine technology and talent to deliver tech debt relief, improve engineering productivity solutions, and accelerate time to value, driving our clients digital journeys with efficiency and velocity. Guided by our Engineering to the power of AI EngineeringAI methodology, we integrate AI into software engineering, enterprise operations, and talent orchestration, to address critical challenges of trust, speed, and capital.
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Payments Architect employer: Ascendion
Contact Detail:
Ascendion Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Payments Architect
✨Tip Number 1
Network like a pro! Get out there and connect with folks in the payments industry. Attend meetups, webinars, or even just grab a coffee with someone who’s already in the game. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Show off your skills! Create a portfolio or a personal website showcasing your projects and achievements in payment architecture. This is a great way to demonstrate your expertise and make a lasting impression on potential employers.
✨Tip Number 3
Don’t be shy about reaching out directly! If you see a company you’re keen on, drop them a message on LinkedIn or through their website. Express your interest in their work and how you can contribute as a Payments Architect.
✨Tip Number 4
Keep learning and stay updated! The payments landscape is always evolving, so make sure you’re on top of the latest trends and technologies. Join online courses or follow industry leaders to keep your knowledge fresh and relevant.
We think you need these skills to ace Payments Architect
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to highlight your experience in payment system architecture and business analysis. Use keywords from the job description, like SEPA, RTGS, and ISO 20022, to catch our attention!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Share specific examples of your past projects related to payment solutions and how you’ve led initiatives. Show us your passion for the role and why you want to join StudySmarter.
Showcase Your Technical Skills: Don’t forget to emphasise your technical skills in payment orchestration and real-time payments. We love seeing hands-on experience, so include any relevant tools or technologies you've worked with that align with our needs.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it makes the process smoother for everyone involved!
How to prepare for a job interview at Ascendion
✨Know Your Payment Systems
Make sure you brush up on your knowledge of SEPA, RTGS, ACH, and ISO 20022. Be ready to discuss how these systems work and their importance in payment architecture. This will show that you’re not just familiar with the terms but can also apply them in real-world scenarios.
✨Showcase Your Leadership Skills
As a Payments Architect, you'll need to demonstrate your ability to lead projects, especially during ISO 20022 migrations. Prepare examples from your past experiences where you successfully led a team or project, highlighting your problem-solving skills and how you engaged with stakeholders.
✨Prepare for Technical Questions
Expect technical questions related to payment orchestration and settlement mechanisms. Brush up on your understanding of SWIFT messaging and real-time payments. Practising answers to common technical questions can help you feel more confident during the interview.
✨Engage with Real-World Scenarios
Be ready to discuss how you would approach specific challenges in payment system implementations. Think about potential gaps in requirements and how you would validate them. This shows your analytical skills and your proactive approach to problem-solving.
