Senior Architect, Software Engineering

Position location:
Austin, TX

In this role, you are responsible for leading the design and delivery of scalable, secure, cloud‑native solutions across digital banking, wallets, cards, and payment platforms. This role combines hands‑on technical leadership with domain expertise to translate complex business requirements into robust architectural solutions, while mentoring teams and driving engineering excellence.

• Lead the end‑to‑end solution design for digital banking, wallet, card issuing/processing, and payment systems.
• Define cloud‑native architectures on AWS, leveraging managed services for scalability, resiliency, and security.
• Design API‑first, event‑driven architectures supporting real‑time and batch payment flows.
• Ensure clear separation between channels, orchestration, domain services, ledger, and settlement systems.
• Review and approve solution designs to ensure alignment with enterprise architecture, security, and compliance standards.

• Apply strong domain knowledge across:
  • Digital Banking platforms
  • Wallets and stored‑value systems
  • Card issuing, authorization, clearing, and settlement
  • Domestic and cross‑border payment rails
• Design solutions that address funds availability, settlement finality, reconciliation, and accounting.
• Ensure architectures support regulations, compliance, and audit requirements across regions.
• Collaborate with Risk, Compliance, and Operations to embed controls, traceability, and auditability into solutions.

• Master's degree with 8+ years or bachelor's degree in computer science or related fields with 10+ years of banking, fintech, or payments technology. Equivalent work experience in lieu of degree in banking, fintech, or payment technology.
• Proven experience across Core banking, Digital Banking, Wallets, Cards, or Payments architecture.
• Strong understanding of banking as a service, payment life cycles, ledgering, settlement, and reconciliation.
• Experience working in regulated environments with compliance and audit requirements.
• Strong hands‑on experience with AWS Cloud, including services such as:
  Compute (EC2, ECS/EKS, Lambda); API & Integration (API Gateway, Event Bridge, SQS, SNS);
  Data (RDS, PGSql, Dynamo
  
  DB etc);
  Security & Monitoring (IAM, Cloud Watch, Cloud Trail).
• Deep experience designing API‑driven and event‑based systems.
• Strong understanding of distributed systems, scalability, and resiliency patterns.
• Experience with CI/CD pipelines and infrastructure‑as‑code.

• Experience with real‑time payment systems and local payment rails.
• Exposure to cross‑border payments and multi‑currency systems.
• AWS certifications (Solutions Architect or equivalent).
• Experience modernizing legacy banking or payment platforms.

Applicants must be currently authorized to work in the United States on a full‑time basis. Western Union will not sponsor applicants for work visas for this position.

HYBRID - Western Union values in‑person collaboration, problem solving, and ideation whenever possible. We believe this fosters common ways of working and supports how we execute initiatives for our customers. The expectation is to work from the office a minimum of three days a week.

You will also have access to short‑term incentives, multiple health insurance options, accident and life insurance, and access to best‑in‑class development platforms, to name a few
(). Please see the location‑specific benefits below and note that your Recruiter may share additional role‑specific benefits during your interview process or in an offer of employment.

• Paid Time Off
• Medical, Dental and Life Insurance
• Tuition Assistance Program
• Student Loan Repayment (below manager level only)
• Parental Leave
• One day volunteer time off
• $0 Money Transfer Fee Discount Code - Quarterly
• Recognition Program "Game Changers"
• Employee Discount Program
• Global Adoption Assistance
• Global Scholarship Awards Program
• 401K plan

Annual base salary range is $140, USD per year. Total on‑target compensation includes a base salary and short‑term that align with individual and…