Senior ServiceNow FSO Architect

Senior Service Now FSO Architect – Financial Services Operations for U.S. Banking

Location: hybrid in Miami, FL (EST hours)
Engagement Type: Contract

Senior professional highly specialized in US Bank Secrecy Act (BSA) regulatory and compliance requirements and Service Now Financial Services Operations (FSO), with proven experience in architecture, solution design, integration, and implementation of complex banking operations for U.S. financial institutions.

The professional will serve as both a technical and functional leader in transforming financial back‑office processes, connecting native Service Now FSO capabilities with legacy banking systems, core platforms, digital channels, risk engines, compliance solutions, and both enterprise‑scale and departmental applications.

The candidate must possess deep expertise in BSA regulatory and compliance requirements and, as a plus, experience in Service Now FSO module for Banking, including workflow automation, case management, financial services work spaces, embedded risk and compliance controls, and specialized banking applications.

• Act as the lead architect responsible for defining the Service Now FSO architecture for U.S. banks, covering solution design, data models, integrations, governance, security, user experience, process automation, and enterprise‑scale deployments.
• Design and implement integrations between Service Now FSO and client legacy platforms, including:
  • Enterprise/High‑Platform Systems
    • Mainframe systems
    • Core Banking platforms
    • Card processing systems
    • Deposits platforms
    • Loan management systems
    • Payments platforms
    • Treasury systems
    • AML/KYC solutions
    • Fraud detection platforms
    • Risk management systems
    • CRM applications
    • Data warehouses
  • Departmental/Low‑Platform Systems
    • Departmental solutions
    • Critical spreadsheets
    • Local databases
    • Internal business tools
    • Satellite applications
    • Manual back‑office workflows
• Define integration standards using:
  • REST APIs
  • SOAP services
  • Event‑driven architectures
  • Messaging queues
  • Middleware platforms
  • ETL/ELT processes
  • Integration Hub
  • Spokes
  • MID Server
  • Remote Tables
  • Import Sets
  • Data synchronization
  • Data virtualization
  • Cross‑platform orchestration between transactional systems and Service Now
• Customize U.S. banking processes within FSO while addressing regulatory, operational, and servicing requirements, including:
  • Card disputes, chargebacks, provisional and final credits
  • Visa and Mastercard rules, Regulation E, Regulation Z
  • Fraud management, account servicing, ACH and wire payments
  • Account opening and closure, document review, due diligence, KYC processes
  • Relationship maintenance, card servicing, deposit servicing, loan servicing, treasury operations

• Extensive experience with U.S. banking back‑office operations, including:
  • Card disputes and transaction disputes: dispute intake, investigation management, provisional credit issuance, chargeback analysis, representment processing, merchant recovery, final credit determination, provisional credit reversal, dispute closure.
  • Card operations: credit card account opening, eligibility assessment, credit analysis, documentation management, terms and disclosures, credit limit changes, card blocking/unblocking, account closure.
  • Deposit operations: deposit account origination, onboarding, customer relationship maintenance, standing orders, recurring instruction failures, documentation verification, fulfillment, account closure.
  • Loan operations: consumer and commercial loan servicing, partial prepayments, payment deferments, loan forgiveness, write‑offs, missed installments, covenant breach management, restructuring proposals, drawdowns, rollovers.
  • Payment operations: inquiries, claims, investigations, refunds, debit approvals, ACH servicing, wire transfer servicing, exception handling, payment failure resolution.
  • Treasury operations: service case management, due diligence, contract document generation, fulfillment, monitoring and dashboards.
  • Fraud, KYC, and AML operations: investigations, onboarding, screening, risk scoring, KYC reviews, AML workflows, document verification, ongoing compliance, orchestration.