Payment/Solution Architect (with business analysis expertise)

Job description

Job Description:

• We are seeking a Payments Architect with strong expertise in payment system architecture, clearing mechanisms, and business analysis.
• The ideal candidate should have experience in SEPA (SCT & Instant), HVPS, BACS, FPS & ISO 20022 migration, SWIFT messaging (MT/MX), and cross-border payments.
• This role requires both technical leadership and business analysis proficiency, ensuring seamless design and implementation of payment solutions while engaging with regulators, payment schemes, and internal stakeholders.

Key Responsibilities:

• Architect and design payment solutions aligned with global standards, including SEPA SCT/Instant & cross-border payments.
• Lead ISO 20022 migration projects, ensuring alignment with SWIFT MX and GPI standards.
• Collaborate with regulators and payment schemes to facilitate direct or indirect participation in payment networks.
• Conduct gap analysis and requirement validation to ensure completeness and accuracy in payment system implementations.
• Drive payment system modernization initiatives, including real-time payment processing, accelerated settlements, and API-based payment integrations.
• Lead business analysis activities, including functional requirement gathering, solution documentation, and process reengineering.

Experience in Corporate Banking with the following products would be ideal:

• Experience in Payment Architecture, Solution Design, and Business Analysis within the banking or fintech sector.
• Expertise in SEPA SCT & Instant, SWIFT (MT/MX), ISO 20022, and real-time payments.
• Strong knowledge of payment settlement mechanisms and FX integration.
• Experience working with payment system regulators and payment scheme participation (direct/indirect).
• Proficiency in requirement gathering, process mapping, and gap analysis to identify and mitigate missed requirements.
• Hands-on experience with payment orchestration, billing integration, and high-value/low-value payment processing.
• Experience in Agile methodologies, working with cross-functional teams in a financial institution or fintech environment.
• Ability to engage with stakeholders across business, operations, IT, and regulatory bodies to ensure smooth implementation of payment solutions.

Extra information

Status

Open

Education Level

Secondary School

Location

Chester

Type of Contract

Full-time jobs

Published at

04-06-2026

Profession type

Accountancy

Full UK/EU driving license preferred

No

Car Preferred

No

Must be eligible to work in the EU

No

Cover Letter Required

No

Languages

English