Job Description
Et - senior solution architect
Job Summary
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Location: New Jersey
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Project role: Et - senior solution architect
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Skills: Banking
- Secondary Skills:
- SWIFT MT & ISO20022
- Bill Discounting
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No. of positions: 1
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Pay Range Minimum: $115000
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Pay Range Maximum: $237600
Job description:
Position: Senior Payments Architect
Experience Required: 18+ years
Location: Jersey City, NJ (onsite/hybrid depending on business needs)
Domain: Global Payments / Financial Services
Role Overview
We are seeking a highly experienced Senior Payments Architect to lead the architectural vision, design, and implementation of Citi’s next-generation payments infrastructure. This role requires a seasoned professional with deep expertise in global payments systems, modern architecture patterns, and regulatory compliance frameworks.
The Payments Architect will work closely with the Head of Payments, senior stakeholders, product managers, and engineering teams to evaluate Citi’s current payment platforms, identify gaps, and propose scalable, secure, and high-performing solutions aligned with global payment trends.
Key Responsibilities
Architecture Leadership
o Define the end-to-end payments architecture strategy, ensuring scalability, resiliency, and global adoption.
o Evaluate existing systems and recommend modernization strategies for improved performance, security, and compliance.
o Drive architectural consistency across payment platforms, APIs, and digital channels.
Payments Domain Expertise
o Provide deep subject-matter expertise on instant payments, real-time settlement systems, and cross-border payments.
o Align Citi’s payment platforms with global instant payment rails (FedNow, RTP, SEPA Instant, UPI, & Processing, Liquidity Management, Data Warehousing and core Cash Management of large MNC clients
o Build architecture for Open Banking & API ecosystems, enabling seamless integrations with third-party fintechs and partners
Innovation & Emerging Technologies
o Lead initiatives in Blockchain & Tokenization (e.g., Citi Token Services).
o Explore AI-driven compliance, fraud prevention, and personalization use cases.
o Implement cloud-native architectures, microservices, and event-driven designs for payment services.
Governance & Quality
o Review code quality, system design, and technical debt within payments platforms.
o Establish best practices for development, integration, and testing across distributed teams.
o Ensure adherence to regulatory requirements (AML, KYC, PSD2, GDPR, ISO 20022).
Stakeholder Management
o Partner with global business heads, operations, and compliance teams to ensure architectural alignment with strategic objectives.
o Collaborate with vendors, fintech partners, and external regulators to shape payments innovation.
Compensation and Benefits
A candidate’s pay within the range will depend on their work location, skills, experience, education, and other factors permitted by law. This role may also be eligible for performance-based bonuses subject to company policies. In addition, this role is eligible for the following benefits subject to company policies: medical, dental, vision, pharmacy, life, accidental death & dismemberment, and disability insurance; employee assistance program; 401(k) retirement plan; 10 days of paid time off per year (some positions are eligible for need-based leave with no designated number of leave days per year); and 10 paid holidays per year.
Disclaimer
HCLTech is an equal opportunity employer, committed to providing equal employment opportunities to all applicants and employees regardless of race, religion, sex, color, age, national origin, pregnancy, sexual orientation, physical disability or genetic information, military or veteran status, or any other protected classification, in accordance with federal, state, and/or local law. Should any applicant have concerns about discrimination in the hiring process, they should provide a detailed report of those concerns to secure@hcltech.com for investigation.