Payments Architect (with Business Analysis Expertise)

Below are the details of the position : Job Title : Payments Architect (with Business Analysis Expertise) Work Location : Bromley, UK (Hybrid – 3 days a week) Job Description :

• We are seeking a Payments Architect with strong expertise in payment system architecture, clearing mechanisms, and business analysis.
• The ideal candidate should have experience in SEPA (SCT & Instant), RTGS, ACH, ISO 20022 migration, SWIFT messaging (MT / MX), and cross-border payments.
• This role requires both technical leadership and business analysis proficiency, ensuring seamless design and implementation of payment solutions while engaging with regulators, payment schemes, and internal stakeholders. Key Responsibilities :
• Architect and design payment solutions aligned with global standards, including SEPA SCT / Instant.
• Lead ISO 20022 migration projects, ensuring alignment with SWIFT MX and GPI standards.
• Collaborate with regulators and payment schemes to facilitate direct or indirect participation in payment networks.
• Conduct gap analysis and requirement validation to ensure completeness and accuracy in payment system implementations.
• Drive payment system modernization initiatives, including real-time payment processing, accelerated settlements, and API-based payment integrations.
• Lead business analysis activities, including functional requirement gathering, solution documentation, and process reengineering.
• Experience in Corporate Banking with the following products would be ideal :
• 10+ years of experience in Payment Architecture, Solution Design, and Business Analysis within the banking or fintech sector.
• Expertise in SEPA SCT & Instant, RTGS, ACH, SWIFT (MT / MX), ISO 20022, and real-time payments.
• Strong knowledge of payment settlement mechanisms and FX integration.
• Experience working with payment system regulators and payment scheme participation (direct / indirect).
• Proficiency in requirement gathering, process mapping, and gap analysis to identify and mitigate missed requirements.
• Hands-on experience with payment orchestration, billing integration, and high-value / low-value payment processing.
• Experience in Agile methodologies, working with cross-functional teams in a financial institution or fintech environment.
• Ability to engage with stakeholders across business, operations, IT, and regulatory bodies to ensure smooth implementation of payment solutions