Architecture & Design: Define the target state architecture, roadmaps, and transition states for core payment systems, specifically focusing on High-Value and Cross-Border payment rails.

Domain Leadership: Lead large-scale payment modernization programs (e.g., legacy core platform replacements, ISO 20022 migrations).

Client Advisory: Serve as a trusted advisor to C-level executives and stakeholders, providing strategic direction on payment trends, RTGS systems, and decentralized financial messaging.

Requirement Engineering: Translate complex cross-border financial workflows, compliance checks, and liquidity management rules into scalable, high-performance technical designs.

Collaboration: Partner with cross-functional teams, product vendors, and engineering units to ensure seamless delivery and integration of payment hubs.

Technical & Functional Core Competencies

Cross-Border Payments Expertise: Deep understanding of correspondent banking networks, multi-currency processing, FX management, and SWIFT messaging networks (Fin/MT and MX formats).

High-Value Payments & RTGS: Proven experience architecting or consulting on High-Value Payment systems and Real-Time Gross Settlement (RTGS) platforms (e.g., Fedwire, CHIPS, CHAPS, TARGET2).





Standards & Compliance: Mastery of the ISO 20022 messaging standard. Solid understanding of global compliance mandates, including AML (Anti-Money Laundering), KYC, Sanctions Screening, and fraud prevention within payment flows.

Payment Hub Platforms: Hands-on architectural experience with major market-leading payment engines and hubs (e.g., Finastra, Volante, FIS, ACI Worldwide, or Temenos Payments).

Up-to-date Integration Architecture: Strong knowledge of API-driven banking, microservices architecture, cloud-native deployments (AWS/Azure/GCP), and real-time data streaming architectures.

Qualifications & Experience

Experience: 12–15+ years of experience in the IT/Consulting industry, with at least 8+ years dedicated purely to the Banking & Financial Services (BFS) Payments domain.

Education: Bachelor’s or Master’s degree in Computer Science, Information Technology, Finance, Business Administration, or a related field.

Certifications (Preferred): * SWIFT / ISO 20022 certified professional.

Enterprise Architecture certifications (e.g., TOGAF).

Cloud Architect certifications (AWS, Azure, or Google Cloud).

📌 Architect (Pune)
🏢 Virtusa
📍 Pune