Job Description
Role Overview We are seeking a Senior Solutions Architect – Global Payments & Financial Platforms to design and lead the evolution of a multi-country, multi-rail payments and credit platform supporting card acceptance (CP + CNP), fuel card integrations, direct bill, ACH/RTP, and custom aviation billing workflows. This role will define the target-state architecture across: Multi-acquirer strategy (US, EU, LATAM) Custom orchestration layer (routing, retry, failover, token abstraction) PSD2/SCA/3DS compliance Stored credential and MIT frameworks Fuel card integrations Direct bill and credit lifecycle automation Treasury and settlement integration The architect will partner with product, treasury, operations, and engineering to build a resilient, scalable payments platform that supports high-value aviation transactions and enterprise-grade credit models. ________________________________________ Key Responsibilities 1?? Payments Architecture & Strategy Define target-state payments architecture across card-present and card-not-present environments. Design multi-acquirer and multi-region connectivity strategy. Evaluate PSP vs traditional acquiring vs hybrid models. Establish tokenization strategy (network tokens, processor tokens, vault ownership). ________________________________________ 2?? Orchestration & Routing Design Architect a custom or vendor-based orchestration layer including: Intelligent routing (cost + performance optimization) Soft-decline retry logic SCA exemption management Failover strategies High-value transaction handling Design abstraction layer for adding new countries or acquirers. Support non-standard rails (fuel cards, fleet cards, aviation-specific instruments). ________________________________________ 3?? Regulatory & Scheme Compliance Lead PSD2 / SCA / 3DS 2.x architecture. Implement stored credential framework and MIT handling. Ensure PCI DSS compliance scope optimization. Maintain network compliance alignment with: Visa Mastercard ________________________________________ 4?? Aviation-Specific Payment Models Architect integration for fuel card providers. Design direct bill lifecycle (credit approval ? billing ? collections ? settlement). Support blended payment models (card + invoice + ACH). Enable post-service adjustments and merchant-initiated transactions. ________________________________________ 5?? Cross-Functional Alignment Partner with Treasury on settlement flows, reconciliation, and FX strategy. Collaborate with FBO operations for CP payment experience. Align with digital teams on wallet and customer portal architecture. Lead vendor evaluations (Elavon, Adyen, Stripe, orchestration providers). ________________________________________ 6?? Performance & Optimization Drive authorization rate optimization. Design reporting and analytics framework across acquirers. Establish monitoring and observability strategy. Define KPIs: auth rates, decline recovery, SCA success, cost per transaction. ________________________________________ Required Experience 10+ years in payments architecture, fintech, or financial infrastructure. Experience with at least one: Traditional acquirer (Elavon, Fiserv, Worldpay) - preferred Global PSP (Stripe, Adyen) In-house payment gateway build Deep knowledge of: CP + CNP flows SCA / 3DS 2.x Stored credentials & MIT Multi-MID and cross-border setups Experience with ACH, RTP, SEPA, or direct debit rails. Exposure to commercial / fleet / fuel card ecosystems strongly preferred. Experience designing high-availability systems for 24/7 operations. ________________________________________ Strongly Preferred Experience in aviation, travel, hospitality, or fleet payments. Multi-country regulatory experience (EU + US). Direct bill / B2B credit lifecycle experience. Familiarity with PCI scope reduction strategies. Experience leading payments transformation programs. ________________________________________ Technical Depth Expected API-driven architectures Event-driven systems Idempotency and retry design Token vault abstraction Microservices-based routing engines Cloud-native deployment models (AWS/Azure) ________________________________________ Soft Skills Executive communication capability Ability to tra