Lead Architect FinTech & Payment Systems

  • Atlanta, GA
  • Posted 8 days ago | Updated 3 days ago

Overview

Hybrid
Depends on Experience
Full Time

Skills

Banking
Payment Card Industry
PCI DSS
Credit Cards
Finance
Real-time
Docker
Amazon Web Services
core banking servicesandBaaS partners
digital onboarding
cloud-based system architecture
secure integrations

Job Details

Job Title: Principal Architect FinTech Platforms

Location: Atlanta, GA / Bellevue, WA (Hybrid 3 days/week onsite)
Employment Type: Full-Time

Note: H1Bs are applicable

Job Summary

The Principal Architect will lead the architectural vision and development of next-generation FinTech platforms for digital banking, embedded finance, and co-branded credit card solutions. This role drives innovation, cross-functional collaboration, and integration with BaaS providers, payment networks, and KYC/AML vendors. The ideal candidate brings deep experience in building scalable, secure, and compliant financial products, with a mobile-first mindset.

Key Responsibilities

  • Architect consumer-facing solutions: digital bank accounts, savings/checking tools, credit card products, embedded finance.
  • Define architectural standards for BaaS, card issuers, KYC/AML vendors, and payment networks (Visa, Mastercard).
  • Collaborate with product, UX, engineering, legal, and compliance teams.
  • Conduct technology evaluations of third-party fintech platforms.
  • Ensure security and compliance (PCI, GLBA, CFPB, Reg E) in design and data architecture.
  • Develop scalable API architectures for ACH, card management, instant payout, and financial data enrichment.
  • Lead POCs for credit scoring models, instant issuing, and account verification.
  • Maintain architecture blueprints and system documentation.
  • Advise stakeholders on fintech platform trends and technology roadmaps.

Required Qualifications

Experience:

Experience Area

Years

Required/Preferred

Financial Services / FinTech / Digital Banking (customer-facing product delivery)

7 10

Required

Enterprise Systems Architecture / Software Engineering / Infrastructure Design

7 10

Required

Consumer Banking Platforms / Credit Card Issuance / BaaS (e.g., Galileo, Marqeta)

5+

Preferred

KYC/AML, Fraud Prevention, Data Aggregators (e.g., Plaid, Trustly)

5+

Preferred

Mobile/Web App Architecture for Financial Products

4 7

Required

Regulatory Compliance (PCI DSS, SOC 2, etc.)

4 7

Preferred

Cloud-native Dev (AWS/Google Cloud Platform/Azure), Docker/K8s, API Ecosystems

4 7

Preferred

Education

  • Bachelor s degree in Computer Science, Engineering, or related field (Required)
  • Advanced degrees or fintech certifications (Preferred)

Certifications

(Desirable, not required)

  • AWS Certified Architect
  • TOGAF
  • CISSP
  • Fintech/Banking credentials (e.g., FCP, CRCM)

Ideal Candidate Profile

  • Strong experience with core banking services and BaaS partners
  • Deep understanding of cloud-based system architecture
  • Experience with digital onboarding, real-time payment flows, and secure integrations

Employers have access to artificial intelligence language tools (“AI”) that help generate and enhance job descriptions and AI may have been used to create this description. The position description has been reviewed for accuracy and Dice believes it to correctly reflect the job opportunity.

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