Payment Architect

Greetings from Smart Work IT Services. Role 1: Payment Architect (Payments Platform) Location: Miami, FL Onsite (5 days/week) Overview: Lead enterprise payment architecture strategy and execution, aligning technology solutions with business objectives. Oversee both application and infrastructure architecture to support current and future-state payment capabilities. Key Responsibilities: Design and implement enterprise payment solutions aligned with business strategy. Lead architecture across multiple applications and technologies. Ensure alignment with enterprise architecture standards and future-state roadmap. Evaluate, select, and integrate payment technologies and platforms. Monitor and modernize existing systems to address gaps and technology risks. Define architecture standards, patterns, and governance. Collaborate with PMO, application architects, and infrastructure teams. Ensure compliance with banking regulations (BSA, USA PATRIOT Act). Required Experience: 15+ years in Banking, with strong Payment Solutions expertise. Experience with ACH, Wire (mandatory), RTP (mandatory), SWIFT, ISO 20022. Knowledge of real-time payment platforms (Fiserv preferred). Integration experience with Plaid, Venmo, and/or Zelle. Strong background in cloud (AWS preferred), microservices, APIs (REST/SOAP), messaging, databases (SQL/NoSQL), OLTP/OLAP. Experience with enterprise architecture tools (BizzDesign, Lucid, Archi). Familiarity with Agile/SCRUM (SAFe preferred). Preferred Certifications: CISSP, CISA, TOGAF, CISM, GIAC.