HCLTech
Base pay range
$121,000.00/yr - $248,600.00/yr
Job Title:
Senior Payments Architect
Job ID:
2775992
Position Type:
Full-time
Location:
Jersey City, NJ (Onsite)
HCLTech is looking for a highly experienced
Senior Payments Architect
to lead the architectural vision, design, and implementation of 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 current payment platforms, identify gaps, and propose scalable, secure, and high‑performing solutions aligned with global payment trends.
Key Responsibilities
Define the end‑to‑end payments architecture strategy, ensuring scalability, resiliency, and global adoption.
Evaluate existing systems and recommend modernization strategies for improved performance, security, and compliance.
Drive architectural consistency across payment platforms, APIs, and digital channels.
Payments Domain Expertise
Provide deep subject‑matter expertise on instant payments, real‑time settlement systems, and cross‑border payments.
Align payment platforms with global instant payment rails (FedNow, RTP, SEPA Instant, UPI), and Processing, Liquidity Management, Data Warehousing and core Cash Management of large MNC clients.
Build architecture for Open Banking & API ecosystems, enabling seamless integrations with third‑party fintechs and partners.
Explore AI‑driven compliance, fraud prevention, and personalization use cases.
Implement cloud‑native architectures, microservices, and event‑driven designs for payment services.
Governance & Quality
Review code quality, system design, and technical debt within payments platforms.
Establish best practices for development, integration, and testing across distributed teams.
Ensure adherence to regulatory requirements (AML, KYC, PSD2, GDPR, ISO 20022).
Stakeholder Management
Partner with global business heads, operations, and compliance teams to ensure architectural alignment with strategic objectives.
Collaborate with vendors, fintech partners, and external regulators to shape payments innovation.
Core Payments Expertise
Strong knowledge of domestic and cross‑border payments, ACH, SWIFT, ISO 20022, RTP, SEPA, Fedwire.
Experience with card processing, merchant acquiring, wallets, and tokenization.
Technology & Architecture
Proficiency in API‑first design, microservices, cloud (AWS/Azure/GCP).
Strong understanding of event‑driven systems (Kafka, MQ, etc.).
Knowledge of Blockchain, DLT, and digital currency frameworks.
Leadership
Proven track record of architecting enterprise‑grade payment platforms.
Ability to lead large, distributed engineering teams and mentor solution architects.
Strong communication and stakeholder influencing skills.
Qualifications
18+ years of overall IT experience, with at least 12+ years in payments domain.
Hands‑on experience in architecting large‑scale payment platforms at a bank, financial institution, or payment processor.
Bachelor’s or master’s degree in Computer Science, Information Systems, or related field.
Good to have certifications in Enterprise Architecture (TOGAF/Zachman) or Cloud (AWS/Azure) preferred.
Domain:
Global Payments / Financial Services
Pay and Benefits
Pay Range Minimum: $121,000 per year
Pay Range Maximum: $248,600 per year
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.
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.
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Job Title:
Senior Payments Architect
Job ID:
2775992
Position Type:
Full-time
Location:
Jersey City, NJ (Onsite)
HCLTech is looking for a highly experienced
Senior Payments Architect
to lead the architectural vision, design, and implementation of 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 current payment platforms, identify gaps, and propose scalable, secure, and high‑performing solutions aligned with global payment trends.
Key Responsibilities
Define the end‑to‑end payments architecture strategy, ensuring scalability, resiliency, and global adoption.
Evaluate existing systems and recommend modernization strategies for improved performance, security, and compliance.
Drive architectural consistency across payment platforms, APIs, and digital channels.
Payments Domain Expertise
Provide deep subject‑matter expertise on instant payments, real‑time settlement systems, and cross‑border payments.
Align payment platforms with global instant payment rails (FedNow, RTP, SEPA Instant, UPI), and Processing, Liquidity Management, Data Warehousing and core Cash Management of large MNC clients.
Build architecture for Open Banking & API ecosystems, enabling seamless integrations with third‑party fintechs and partners.
Explore AI‑driven compliance, fraud prevention, and personalization use cases.
Implement cloud‑native architectures, microservices, and event‑driven designs for payment services.
Governance & Quality
Review code quality, system design, and technical debt within payments platforms.
Establish best practices for development, integration, and testing across distributed teams.
Ensure adherence to regulatory requirements (AML, KYC, PSD2, GDPR, ISO 20022).
Stakeholder Management
Partner with global business heads, operations, and compliance teams to ensure architectural alignment with strategic objectives.
Collaborate with vendors, fintech partners, and external regulators to shape payments innovation.
Core Payments Expertise
Strong knowledge of domestic and cross‑border payments, ACH, SWIFT, ISO 20022, RTP, SEPA, Fedwire.
Experience with card processing, merchant acquiring, wallets, and tokenization.
Technology & Architecture
Proficiency in API‑first design, microservices, cloud (AWS/Azure/GCP).
Strong understanding of event‑driven systems (Kafka, MQ, etc.).
Knowledge of Blockchain, DLT, and digital currency frameworks.
Leadership
Proven track record of architecting enterprise‑grade payment platforms.
Ability to lead large, distributed engineering teams and mentor solution architects.
Strong communication and stakeholder influencing skills.
Qualifications
18+ years of overall IT experience, with at least 12+ years in payments domain.
Hands‑on experience in architecting large‑scale payment platforms at a bank, financial institution, or payment processor.
Bachelor’s or master’s degree in Computer Science, Information Systems, or related field.
Good to have certifications in Enterprise Architecture (TOGAF/Zachman) or Cloud (AWS/Azure) preferred.
Domain:
Global Payments / Financial Services
Pay and Benefits
Pay Range Minimum: $121,000 per year
Pay Range Maximum: $248,600 per year
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.
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.
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