Job Summary

Enterprise Payment System Transformation Technical Architect

At least 17 years of architect role focused on large scale payments platforms in the Financial Services industry

Experience in some or all these various payment schemes and rails (eg ACH Wire SWIFT RTP Cards) and the ability to integrate with domestic and international clearing settlement networks

Experience of designing and implementing a payment system (switch hub etc.) from scratch

Responsibilities

Seeking experienced Enterprise Payment System Transformation Architect to lead architecture and design to modernize enterprise payments ecosystem for various banking clients

Design of end to end payment solutions covering high-value low-value domestic and cross-border transactions

Drive the adoption of modern architectural patterns including Cloud-Native Microservices Event-Driven Architecture (EDA) APIs and the ISO 20022 messaging standard

Ensure the architectural design meets key Non-Functional Requirements (NFRs) such as scalability resilience low latency and security (e.g. PCI DSS)

Present and gain approval for architectural blueprints and roadmaps through the Architecture Review Board/Design Authority

Serve as the Subject Matter Expert (SME) and technical consultant for major payment transformation programs and initiatives

Provide technical mentorship and guidance to development teams on best practices for building modern payment applications

Define the technology stack for the future payments platform including optimal choices for databases (SQL NoSQL) messaging middleware (eg Kafka) and cloud platforms (eg AWS Azure GCP)

At least 10+ years of architect role focused on large-scale payments platforms in the Financial Services industry

Experience in some or all these various payment schemes and rails (e.g. ACH Wire SWIFT RTP Cards) and the ability to integrate with domestic and international clearing/settlement networks

Experience of designing and implementing a payment system (switch hub etc.) from scratch

Fluency in one or more enterprise architecture frameworks (e.g. TOGAF Zachman)

Strong command of API design (RESTful gRPC) and asynchronous messaging patterns

Excellent written and verbal communication skills with the ability to articulate complex technical concepts

Hands-on programming background in relevant languages (e.g. Java/Spring Boot)

The Cognizant community:
We are a high caliber team who appreciate and support one another. Our people uphold an energetic, collaborative and inclusive workplace where everyone can thrive.

• Cognizant is a global community with more than 300,000 associates around the world.
• We don’t just dream of a better way – we make it happen.
• We take care of our people, clients, company, communities and climate by doing what’s right.
• We foster an innovative environment where you can build the career path that’s right for you.

About us:
Cognizant is one of the world's leading professional services companies, transforming clients' business, operating, and technology models for the digital era. Our unique industry-based, consultative approach helps clients envision, build, and run more innovative and efficient businesses. Headquartered in the U.S., Cognizant (a member of the NASDAQ-100 and one of Forbes World’s Best Employers 2025) is consistently listed among the most admired companies in the world. Learn how Cognizant helps clients lead with digital at www.cognizant.com

Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.

If you have a disability that requires reasonable accommodation to search for a job opening or submit an application, please email CareersNA2@cognizant.com with your request and contact information.

Disclaimer:
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.