Overview
Hybrid
$120,000 - $200,000
Full Time
10% Travel
Able to Provide Sponsorship
Skills
AML
Financial Management
Finance
Credit Cards
Banking
Financial Services
Payment Card Industry
PCI DSS
Regulatory Compliance
API
Cloud Computing
Amazon Web Services
Core Banking
User Experience
Infrastructure Architecture
Fraud
Job Details
Job Title: Finance Technology Principal Architect
Location: Atlanta, GA/ Bellevue, WA (Hybrid)
Duration: Fulltime - FTE
Base Pay Range: USD $120-220k
Job Responsibilities:
- Architect consumer-facing financial solutions including digital bank accounts, savings and checking tools, co-branded credit card products, and embedded finance capabilities.
- Define and maintain architectural standards for integration with BaaS providers, card issuers/processors, KYC/AML vendors, and payment networks (Visa, Mastercard).
- Collaborate with product managers, UX designers, and engineers to build intuitive and secure financial experiences for mobile-first consumers.
- Lead technology evaluations for third-party fintech partners covering card issuance, core banking platforms, data aggregation, and personal finance management.
- Ensure secure architecture and data design for customer onboarding, credit decisioning, account servicing, and financial transactions.
- Champion privacy, data protection, and regulatory compliance (including PCI, GLBA, CFPB, and Reg E) across consumer facing FinTech platforms.
- Implement scalable API architectures for money movement (ACH, debit rails, instant payout), card management, account funding, and transaction data enrichment.
- Provide architectural oversight for loyalty integrations, rewards platforms, and customer engagement engines tied to credit and banking products.
- Lead proof-of-concept initiatives to test emerging fintech capabilities such as credit scoring models, instant issuing, and account verification innovations.
- Maintain system documentation, architecture blueprints, and technical standards to guide development and cross-team partnerships.
- Act as a strategic advisor on Fin Tech trends and platform roadmaps ensuring the company delivers differentiated and forward-looking financial products that improve customer experience.
Knowledge, Skill, Experience
- In financial services, FinTech, or digital banking environments with customer-facing product delivery. (Required)
- In enterprise systems architecture, software engineering, or infrastructure design at scale. (Required)
- Crafting or integrating consumer banking platforms, credit card issuance systems, or BaaS platforms (e.g., Galileo, Marqeta, Synapse, Bond, Unit). (Preferred)
- Working with KYC/AML vendors, fraud prevention tools, or financial data aggregators (e.g., Alloy, Persona, Plaid, Trustly, MX). (Preferred):
- In mobile and web application architecture for financial products, including account opening, card activation, and account servicing. (Required)
- Crafting compliant FinTech systems within the framework of PCI DSS, SOC 2, and other regulatory obligations. (Preferred)
- With cloud-native development (AWS, Google Cloud Platform, Azure), containerization (Docker and Kubernetes), and API-first ecosystems. (Preferred)
Education:
Bachelor s degree in computer science, Engineering, or a related field. Advanced degrees or business/fintech certifications are a plus.
Thanks & Regards.
Aviral Sapra
Voto Conulting LLC
Email:
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