Senior Technical Architect

Job Opening: Senior Technical Architect Payment Processing & FinTech

• Role: Senior Technical Architect / Solution Architect
• Experience Required: 15 20 Years (Min. 5+ years in architecture/technical leadership)
• Location: Remote(Immediate Candidate's Required)
• Employment Type: Full-time
• Domain: FinTech / US Payment Processing / Banking Integrations
• Education: B.Tech / M.Tech

Position Overview

We are seeking a hands-on Senior Technical Architect to design and build an enterprise-grade Payment Processing Platform from scratch for a US-based Debt Settlement business. You will own the entire technical architecture, integrating the payment engine seamlessly with a core CRM, banking APIs, and ACH/NACHA networks while ensuring financial ledger integrity, fault tolerance, and security compliance.

Mandatory Resume Screening Criteria (Must Reflect on CV)

1. FinTech & Payment Core:

• Proven experience architecting payment processing engines, payment gateways, or orchestration platforms from the ground up.
• Direct experience with ACH processing, NACHA file formats, ACH return codes, reversals, and settlements.
• Deep knowledge of Banking APIs, processor integrations, and multi-tenant sub-account/wallet management.

2. Ledgers & Financial Integrity:

• Hands-on design of double-entry bookkeeping or transactional ledger systems (credits, debits, pending balances, settlements, fee allocation).
• Designing automated end-to-end reconciliation workflows and transaction state machines.

3. Backend & Integration Engineering:

• Strong technical stack: Node.js, TypeScript, or Python paired with PostgreSQL or MySQL.
• Framework familiarity: Nest.js or Next.js.
• Production-grade integration experience: REST APIs, bidirectional webhooks, API versioning, and strict idempotency / duplicate-prevention design.

4. Distributed Systems & Cloud:

• Event-driven architectures using message brokers: Apache Kafka, RabbitMQ, or AWS SQS.
• In-memory caching/state handling via Redis.
• Cloud & DevOps: AWS / Azure / GCP, Docker, Kubernetes, CI/CD, and disaster recovery.

5. Security & Financial Compliance:

• Architecture alignment with PCI DSS, SOC 2, GLBA, OAuth2/JWT tokenization, RBAC, and end-to-end data encryption.