Senior Solutions Architect (Finance)
What you will be doing
Payments Architecture & Strategy
- Define target-state payments architecture across card-present and card-not-present environments.
- Design a multi-acquirer and multi-region connectivity strategy.
- Evaluate PSP vs traditional acquiring vs hybrid models.
- Establish tokenization strategy (network tokens, processor tokens, vault ownership).
Orchestration & Routing Design
- Architect a custom or vendor-based orchestration layer including: Intelligent routing (cost + performance optimization), Soft-decline retry logic, SCA exemption management, Failover strategies, High-value transaction handling.
- Design an abstraction layer for adding new countries or acquirers.
- Support non-standard rails (fuel cards, fleet cards, aviation-specific instruments).
Regulatory & Scheme Compliance
- Lead PSD2 / SCA / 3DS 2.x architecture.
- Implement stored credential framework and MIT handling.
- Ensure PCI DSS compliance scope optimization.
- Maintain network compliance alignment with: Visa, Mastercard
Aviation-Specific Payment Models
- Architect integration for fuel card providers.
- Design direct bill lifecycle (credit approval → billing → collections → settlement).
- Support blended payment models (card + invoice + ACH).
- Enable post-service adjustments and merchant-initiated transactions.
Cross-Functional Alignment
- Partner with Treasury on settlement flows, reconciliation, and FX strategy.
- Collaborate with FBO operations for the CP payment experience.
- Align with digital teams on wallet and customer portal architecture.
- Lead vendor evaluations (Elavon, Adyen, Stripe, orchestration providers).
Performance & Optimization
- Drive authorization rate optimization.
- Design reporting and analytics framework across acquirers.
- Establish a monitoring and observability strategy.
- Define KPIs: auth rates, decline recovery, SCA success, cost per transaction.
- Define target-state payments architecture across card-present and card-not-present environments.
- Design a multi-acquirer and multi-region connectivity strategy.
- Evaluate PSP vs traditional acquiring vs hybrid models.
- Establish tokenization strategy (network tokens, processor tokens, vault ownership).
Orchestration & Routing Design
- Architect a custom or vendor-based orchestration layer including: Intelligent routing (cost + performance optimization), Soft-decline retry logic, SCA exemption management, Failover strategies, High-value transaction handling.
- Design an abstraction layer for adding new countries or acquirers.
- Support non-standard rails (fuel cards, fleet cards, aviation-specific instruments).
Regulatory & Scheme Compliance
- Lead PSD2 / SCA / 3DS 2.x architecture.
- Implement stored credential framework and MIT handling.
- Ensure PCI DSS compliance scope optimization.
- Maintain network compliance alignment with: Visa, Mastercard
Aviation-Specific Payment Models
- Architect integration for fuel card providers.
- Design direct bill lifecycle (credit approval → billing → collections → settlement).
- Support blended payment models (card + invoice + ACH).
- Enable post-service adjustments and merchant-initiated transactions.
Cross-Functional Alignment
- Partner with Treasury on settlement flows, reconciliation, and FX strategy.
- Collaborate with FBO operations for the CP payment experience.
- Align with digital teams on wallet and customer portal architecture.
- Lead vendor evaluations (Elavon, Adyen, Stripe, orchestration providers).
Performance & Optimization
- Drive authorization rate optimization.
- Design reporting and analytics framework across acquirers.
- Establish a monitoring and observability strategy.
- Define KPIs: auth rates, decline recovery, SCA success, cost per transaction.