Solutions Architect

Job Summary

Payments Solutions Architect – Consultant

Location:

Charlotte, North Carolina, United States

In this role you will design and deliver modern, scalable payment solutions across multiple payment rails for financial institutions, fintechs, and internal teams.

• Architect and design solutions across ACH, wire payments, SWIFT, and real‑time payment rails (e.g., RTP, Fed Now).
• Lead current‑state assessments and define target‑state architectures aligned to business and regulatory requirements.
• Design modern, API‑driven, cloud‑ready and/or on‑prem payment platforms, including integration patterns and data flows.
• Advise on payment modernization initiatives, including migration from legacy systems.
• Collaborate with business stakeholders, engineers, vendors, and operations teams to translate requirements into technical designs.
• Produce high‑quality architecture artifacts (solution designs, diagrams, interface specifications, and architecture decision records).
• Ensure solutions meet security, resiliency, compliance, and performance standards.

• Ability to translate business requirements into clear, pragmatic technical solutions.
• Strong communication skills with experience working in client‑facing or consulting roles.
• Bachelor’s degree in Computer Science, Engineering, or a related field (or equivalent practical experience).

• 8+ years of experience in payments, banking technology, or financial services systems.
• 4+ years of proven hands‑on experience architecting solutions for ACH, wires, SWIFT, and real‑time payment rails.
• 4+ years of end‑to‑end payment processing, settlement, reconciliation, and exception handling.
• 4+ years of experience designing modern architectures using APIs, microservices, and event‑driven patterns.

• Payments experience solutioning leveraging AI.
• Experience with payment hubs, switches, or core banking integrations.
• Knowledge of ISO 20022 and large‑scale payment modernization programs.
• Cloud architecture experience (AWS, Azure, or GCP).
• Relevant certifications (e.g., AWS, TOGAF, or payments‑related certifications).

NTT DATA is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. For our EEO Policy Statement, please . If you'd like more information on your EEO rights under the law, please . For Pay Transparency information, please .