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For Companies At a Glance
- Tasks: Design and lead innovative payment solutions using cutting-edge technology.
- Company: Join Ascendion, a global leader in AI-first software engineering.
- Benefits: Competitive salary, remote 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.
Overview
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! Reach out to your connections in the fintech and banking sectors. Attend industry events or webinars where you can meet potential employers and showcase your expertise in payment systems.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of SEPA, RTGS, and ISO 20022. Be ready to discuss how you've led projects in these areas and how you can drive payment system modernisation initiatives.
✨Tip Number 3
Showcase your problem-solving skills! During interviews, share specific examples of how you've conducted gap analysis or requirement validation in past roles. This will demonstrate your ability to ensure completeness in payment system implementations.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to get noticed by our hiring team. Plus, it shows you're genuinely interested in joining us at Ascendion and contributing to our innovative payment solutions.
We think you need these skills to ace Payments Architect
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in payment system architecture and relevant technologies like SEPA and ISO 20022. We want to see how your skills align with the role, so don’t be shy about showcasing your achievements!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about payments and how your background makes you the perfect fit for our team. Keep it engaging and relevant to the job description.
Showcase Your Technical Skills: Don’t forget to mention your hands-on experience with payment orchestration and real-time payment processing. We love candidates who can demonstrate their technical prowess, so include specific examples of projects you've led or contributed to.
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 shows you’re keen on joining our team!
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 around ISO 20022 migration. Prepare examples from your past experiences where you successfully led a team or project, highlighting your role in driving results and managing stakeholders.
✨Engage with Real-World Scenarios
Be prepared to discuss specific challenges you've faced in payment system implementations. Think about gap analysis or requirement validation you've conducted and how you overcame obstacles. This will help interviewers see your problem-solving skills in action.
✨Understand Regulatory Engagement
Familiarise yourself with the regulatory landscape surrounding payment systems. Be ready to talk about your experience working with regulators and payment schemes, and how you’ve navigated compliance issues in previous roles. This shows you understand the bigger picture in payment architecture.
