Business Architect

Job Title
:
Enterprise Architect / Business Architect (Payments)

Location
:
London

We are seeking an experienced Enterprise Architect or Business Architect with deep expertise in UK and Global Payments to support strategic payment transformation initiatives. The successful candidate will drive the design, modernization, and optimization of domestic and international payment infrastructures, ensuring alignment with business objectives, regulatory requirements, industry standards, and future payment modernization programs such as the UK's New Payments Architecture (NPA) and National Payments Vision (NPV).

The role requires strong domain expertise in payments processing, financial messaging, payment orchestration, transaction banking, and large-scale banking architecture transformation programs.

The places that you work from day to day will vary according to your role, your needs, and those of the business; it will be a blend of Company offices, client sites, and your home; noting that you will be unable to work at home 100% of the time.

• Define and maintain target-state architecture for payment services across domestic and international payment ecosystems.
• Develop business capability models, process architectures, and technology roadmaps for payment modernization initiatives.
• Align payment transformation programs with enterprise architecture standards and strategic business objectives.
• Support architecture governance, design reviews, and solution approval processes.

• Lead architecture and business analysis activities across end-to-end payment processing journeys.
• Design payment solutions covering domestic and international payment schemes.
• Provide subject matter expertise on payment lifecycle processes including initiation, routing, clearing, settlement, reconciliation, and exception handling.
• Support modernization efforts aligned with industry payment transformation programs.
• Drive adoption and implementation of financial messaging standards including:
• ISO 20022
• ISO 8583
• SWIFT Messaging
• Define message transformation, integration, and interoperability strategies across banking platforms and payment networks.

• Provide expertise across the UK domestic payments landscape including:
• CHAPS
• Faster Payments Service (FPS)
• BACS
• Demonstrate knowledge of New Payments Architecture (NPA) and National Payments Vision (NPV).
• Contribute to strategic initiatives supporting payment ecosystem evolution and regulatory compliance.

• Design and support solutions involving:
• SWIFT
• SEPA
• International Cross-Border Payments
• Instant Payments Networks
• Ensure integration across multiple clearing and settlement infrastructures.

• Design payment orchestration and automation capabilities.
• Drive straight-through processing (STP) improvements and operational efficiency initiatives.
• Evaluate and implement payment hub and payment engine solutions.

• Define integration patterns between payment engines, core banking systems, channels, middleware, and payment networks.
• Support API-led architecture, event-driven architectures, and service-based integration models.
• Ensure seamless interfacing across multiple banking platforms and external payment ecosystems.

• 12+ years of experience in Banking and Financial Services.
• Extensive experience in Global Payments Processing.
• Strong knowledge of Global Financial Messaging Processes.
• Hands-on experience with:
• ISO 20022
• ISO 8583
• SWIFT messaging standards
• Deep understanding of UK Payments ecosystem:
• CHAPS
• FPS
• BACS
• Experience with International Payment Schemes:
• SWIFT
• SEPA
• Knowledge of New Payments Architecture (NPA).
• Understanding of National Payments Vision (NPV).
• Experience in Payment Orchestration and Payment Automation initiatives.
• Strong solution design and architecture experience for payment infrastructures.
• Expertise in systems integration across banking applications and payment networks.
• Strong analytical and problem-solving skills.
• Ability to convert business requirements into architecture and technology solutions.
• Experience with payment processing platforms such as:
• FIS OPF
• GPP
• IPF
• Experience with cloud transformation programs within banking.
• Familiarity with Open Banking and API ecosystems.
• Experience of real-time payments modernization initiatives.
• TOGAF, Zachman, or equivalent architecture certifications.

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