T-Mobile
Principal Architect, Payment & Fraud Systems
Join to apply for the
Principal Architect, Payment & Fraud Systems
role at
T-Mobile . Overview
At T-Mobile, we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package. Employees enjoy wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees! Are you ready to join the Un-carrier movement? Role
The Principal Systems Architect crafts scalable, secure, and high-performance payment and fraud management solutions. This role focuses on payment processing, in-house tokenization, fraud detection, and risk mitigation across e-commerce, in-store, and mobile channels. The architect defines and maintains architecture, technology standards, and best methodologies for real-time transaction processing, middleware, and databases, encompassing both in-house development and third-party integrations. They provide leadership to project teams, ensuring compliance with industry standards, regulatory requirements, and internal practices. Additionally, the architect evaluates and recommends emerging payment technologies, fraud prevention techniques, and security measures to improve the platform\'s resilience and efficiency. Responsibilities
Help define software development processes and ensure alignment to security, compliance, and scalability methodologies for payment and fraud platforms. Stay up to date with emerging payment technologies, fraud detection strategies, and regulatory requirements to continuously contribute to platform improvements. Understand business processes on assigned projects, particularly payment acceptance, transaction routing, chargebacks, and fraud prevention. Take ownership of new and diverse requests and explore opportunities to contribute to job accomplishments. Translate business requirements into technical requirements and assist team members in implementing the solution. Design and implement real-time transaction refinement solutions that ensure high availability, reliability, and security. Provide architectural oversight for payment tokenization, fraud scoring models, and risk mitigation across multiple channels. Collaborate with engineering, product management, security, and compliance teams to ensure flawless integration of payment and fraud technologies. Lead proof-of-concept initiatives to assess new fraud detection techniques, ML models, or payment orchestration improvements. Optimize payment processing workflows to improve customer experience while maintaining fraud controls and cost efficiency. Ensure PCI compliance, data encryption, and secure API integrations for all payment and fraud-related systems. Develop and maintain high-level architecture diagrams, user documentation, and standard process guidelines for enterprise-wide reference. Provide direct technical evaluation of third-party products for inclusion in T-Mobile solutions. Experience & Qualifications
7-10 years of experience in a business environment, preferably within payments, fraud prevention, financial services, or e-commerce. (Required) As a software or systems architect, engineer, or programmer, with expertise in scalable, high-availability platforms. (Required) 5+ years of experience in payments architecture, tokenization, and transaction processing, including real-time authorization, settlement, and reconciliation workflows. (Preferred) In fraud prevention, risk management systems, and security architecture, with knowledge of fraud scoring models, ML-driven detection, and chargeback management. (Preferred) 4-7 years of experience in B2C online e-commerce systems architecture and design. (Required) Experience with payment orchestration, gateway integrations, and acquirer connections, including PCI DSS compliance and 3DS. (Preferred) Experience with mobile web applications design, including responsive design, hybrid models, and secure mobile payment solutions such as Apple Pay, Google Pay, or QR-based payments. (Required) Experience with cloud-based payment processing architectures, including AWS, Azure, GCP, Kubernetes, or serverless computing models. (Preferred) Education
Bachelor\'s Degree in Computer Science, Information Technology, or a related discipline. Advanced degrees are a plus. Licenses & Certifications
Technology certifications (such as Java, Microsoft, Oracle, AWS, TOGAF, or security-focused certifications like CISSP, CISM, PCI-ISA) (Desire). At least 18 years of age Legally authorized to work in the United States Travel
Travel Required: Yes Compensation & Benefits
Base Pay Range: $123,800 - $223,300 Corporate Bonus Target: 20% The pay range above is the general base pay range for a successful candidate in the role. Actual pay will be based on location, qualifications, and experience. At T-Mobile, regular employees are eligible for annual bonuses or incentives based on role and performance. For some roles, monthly bonuses may apply. We offer medical, dental, and vision insurance, a flexible spending account, 401(k), employee stock grants and employee stock purchase plan, paid time off and holidays, parental and family leave, and other benefits. Details are provided by the Benefits page (no link included here). T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, ethnicity, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, disability, or any other status protected by law. If you require accommodations during the application process, please contact ApplicantAccommodation@t-mobile.com or 1-844-873-9500.
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Join to apply for the
Principal Architect, Payment & Fraud Systems
role at
T-Mobile . Overview
At T-Mobile, we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package. Employees enjoy wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees! Are you ready to join the Un-carrier movement? Role
The Principal Systems Architect crafts scalable, secure, and high-performance payment and fraud management solutions. This role focuses on payment processing, in-house tokenization, fraud detection, and risk mitigation across e-commerce, in-store, and mobile channels. The architect defines and maintains architecture, technology standards, and best methodologies for real-time transaction processing, middleware, and databases, encompassing both in-house development and third-party integrations. They provide leadership to project teams, ensuring compliance with industry standards, regulatory requirements, and internal practices. Additionally, the architect evaluates and recommends emerging payment technologies, fraud prevention techniques, and security measures to improve the platform\'s resilience and efficiency. Responsibilities
Help define software development processes and ensure alignment to security, compliance, and scalability methodologies for payment and fraud platforms. Stay up to date with emerging payment technologies, fraud detection strategies, and regulatory requirements to continuously contribute to platform improvements. Understand business processes on assigned projects, particularly payment acceptance, transaction routing, chargebacks, and fraud prevention. Take ownership of new and diverse requests and explore opportunities to contribute to job accomplishments. Translate business requirements into technical requirements and assist team members in implementing the solution. Design and implement real-time transaction refinement solutions that ensure high availability, reliability, and security. Provide architectural oversight for payment tokenization, fraud scoring models, and risk mitigation across multiple channels. Collaborate with engineering, product management, security, and compliance teams to ensure flawless integration of payment and fraud technologies. Lead proof-of-concept initiatives to assess new fraud detection techniques, ML models, or payment orchestration improvements. Optimize payment processing workflows to improve customer experience while maintaining fraud controls and cost efficiency. Ensure PCI compliance, data encryption, and secure API integrations for all payment and fraud-related systems. Develop and maintain high-level architecture diagrams, user documentation, and standard process guidelines for enterprise-wide reference. Provide direct technical evaluation of third-party products for inclusion in T-Mobile solutions. Experience & Qualifications
7-10 years of experience in a business environment, preferably within payments, fraud prevention, financial services, or e-commerce. (Required) As a software or systems architect, engineer, or programmer, with expertise in scalable, high-availability platforms. (Required) 5+ years of experience in payments architecture, tokenization, and transaction processing, including real-time authorization, settlement, and reconciliation workflows. (Preferred) In fraud prevention, risk management systems, and security architecture, with knowledge of fraud scoring models, ML-driven detection, and chargeback management. (Preferred) 4-7 years of experience in B2C online e-commerce systems architecture and design. (Required) Experience with payment orchestration, gateway integrations, and acquirer connections, including PCI DSS compliance and 3DS. (Preferred) Experience with mobile web applications design, including responsive design, hybrid models, and secure mobile payment solutions such as Apple Pay, Google Pay, or QR-based payments. (Required) Experience with cloud-based payment processing architectures, including AWS, Azure, GCP, Kubernetes, or serverless computing models. (Preferred) Education
Bachelor\'s Degree in Computer Science, Information Technology, or a related discipline. Advanced degrees are a plus. Licenses & Certifications
Technology certifications (such as Java, Microsoft, Oracle, AWS, TOGAF, or security-focused certifications like CISSP, CISM, PCI-ISA) (Desire). At least 18 years of age Legally authorized to work in the United States Travel
Travel Required: Yes Compensation & Benefits
Base Pay Range: $123,800 - $223,300 Corporate Bonus Target: 20% The pay range above is the general base pay range for a successful candidate in the role. Actual pay will be based on location, qualifications, and experience. At T-Mobile, regular employees are eligible for annual bonuses or incentives based on role and performance. For some roles, monthly bonuses may apply. We offer medical, dental, and vision insurance, a flexible spending account, 401(k), employee stock grants and employee stock purchase plan, paid time off and holidays, parental and family leave, and other benefits. Details are provided by the Benefits page (no link included here). T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, ethnicity, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, disability, or any other status protected by law. If you require accommodations during the application process, please contact ApplicantAccommodation@t-mobile.com or 1-844-873-9500.
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