Principal Architect

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Hybrid - in the office at least 3 days a week

Industry:
Telecommunications Services

Job Category: Information Technology - System Development

Job Description

As the Principal Systems Architect, you will lead the design of scalable, secure, and high-impact consumer fintech platforms that power digital banking experiences, co-branded credit cards, embedded finance, and personalized financial tools. This role is central to the company's broader fintech strategy, connecting millions of customers to smarter, flawless ways to manage and access money—across mobile, web, and in-store channels.

You’ll define the architectural vision for banking-as-a-service (BaaS), card issuance and processing, digital identity and onboarding, customer insights, and secure integrations with partners and fintech providers. You’ll work across engineering, product, legal, compliance, and cybersecurity to bring aggressive financial products to life—aligned with regulatory standards and passionate about outstanding user experience. This is a high-visibility, high-impact role where you’ll influence the future of how consumers experience finance with the company.

We are a team that encourages innovation and advocates an agile and open approach, truly working and playing in the Un-carrier way!

Job Responsibilities:

Architect consumer-facing financial solutions including digital bank accounts, savings and checking tools, co-branded credit card products, and embedded finance capabilities.

Define and maintain architectural standards for integration with BaaS providers, card issuers/processors, KYC/AML vendors, and payment networks (Visa, Mastercard).

Collaborate with product managers, UX designers, and engineers to build intuitive and secure financial experiences for mobile-first consumers.

Lead technology evaluations for third-party fintech partners covering card issuance, core banking platforms, data aggregation, and personal finance management.

Ensure secure architecture and data design for customer onboarding, credit decisioning, account servicing, and financial transactions.

Champion privacy, data protection, and regulatory compliance (including PCI, GLBA, CFPB, and Reg

E) across consumer facing Fin Tech platforms.

Implement scalable API architectures for money movement (ACH, debit rails, instant payout), card management, account funding, and transaction data enrichment.

Provide architectural oversight for loyalty integrations, rewards platforms, and customer engagement engines tied to credit and banking products.

Lead proof-of-concept initiatives to test emerging fintech capabilities such as credit scoring models, instant issuing, and account verification innovations.

Maintain system documentation, architecture blueprints, and technical standards to guide development and cross-team partnerships.

Act as a strategic advisor on Fin Tech trends and platform roadmaps—ensuring the company delivers differentiated and forward-looking financial products that improve customer experience.

Knowledge, Skill, Experience

7-10 years of experience:

• In financial services, Fin Tech, or digital banking environments with customer-facing product delivery. (Required)
• In enterprise systems architecture, software engineering, or infrastructure design at scale. (Required)

5+ years of experience:

• Crafting or integrating consumer banking platforms, credit card issuance systems, or BaaS platforms (e.g., Galileo, Marqeta, Synapse, Bond, Unit). (Preferred)
• Working with KYC/AML vendors, fraud prevention tools, or financial data aggregators (e.g., Alloy, Persona, Plaid, Trustly, MX). (Preferred)

4-7 years of experience:

• In mobile and web application architecture for financial products, including account opening, card activation, and account servicing. (Required)
• Crafting compliant Fin Tech systems within the framework of PCI DSS, SOC 2, and other regulatory obligations. (Preferred)
• With cloud-native development (AWS, GCP, Azure), containerization (Docker and Kubernetes), and API-first ecosystems. (Preferred)

Education:

Bachelor’s degree in computer science, Engineering, or a related field. Advanced degrees or business/fintech certifications are a plus.

Licenses and Certifications:

Certifications such as AWS Architect, TOGAF, CISSP, or fintech/banking-specific credentials (e.g., FCP, CRCM) are desirable.

• Seniority level Director

• Employment type
  
  Full-time

• Job function
  
  Information Technology
• Industries Staffing and Recruiting

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