Payment Architect

- 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)