NTT DATA is looking for a Payments Solutions Architect to join our team in Charlotte, North Carolina. In this hybrid role, you will work as a consultant designing and delivering modern, scalable payment solutions across multiple payment rails. You will partner with financial institutions, fintechs, and internal teams to architect end-to-end payment platforms that are secure, resilient, and future-ready.
What You'll Do
- Architect and design solutions across ACH, wire payments, SWIFT, and real-time payment rails (e.g., RTP, FedNow).
- Lead current-state assessments and define target-state architectures aligned to business and regulatory requirements.
- Design modern, API-driven, cloud-ready and/or on-prem payment platforms, including integration patterns and data flows.
- Advise on payment modernization initiatives, including migration from legacy systems.
- Collaborate with business stakeholders, engineers, vendors, and operations teams to translate requirements into technical designs.
- Produce high-quality architecture artifacts (solution designs, diagrams, interface specifications, and architecture decision records).
- Ensure solutions meet security, resiliency, compliance, and performance standards.
What We're Looking For
- 8+ years of experience in payments, banking technology, or financial services systems.
- 4+ years of proven hands-on experience architecting solutions for ACH, wires, SWIFT, and real-time payment rails.
- 4+ years end-to-end payment processing, settlement, reconciliation, and exception handling.
- 4+ years of experience designing modern architectures using APIs, microservices, and event-driven patterns.
- Ability to translate business requirements into clear, pragmatic technical solutions.
- Strong communication skills with experience working in client-facing or consulting roles.
- Bachelor’s degree in Computer Science, Engineering, or a related field (or equivalent practical experience).
Nice to Have
- Payments experience solutioning leveraging AI.
- Experience with payment hubs, switches, or core banking integrations.
- Knowledge of ISO 20022 and large-scale payment modernization programs.
- Cloud architecture experience (AWS, Azure, or GCP).
- Relevant certifications (e.g., AWS, TOGAF, or payments-related certifications).
Technical Stack
- APIs
- Microservices
- Event-driven patterns
- AWS
- Azure
- GCP
Benefits & Compensation
- Opportunity to engage in diverse and challenging consulting projects.
- Access to cutting-edge payment technologies, platforms, and tools.
- Professional growth and development support.
Work Mode
This is a hybrid position based in Charlotte, North Carolina (US-NC).
NTT DATA is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.
