For companies:
For professionals:
For everyone:
For developers:
Responsibilities
Senior Technical Architect – Payment Processing & CRM Integration Platform
Experience: 15+ years
Role: Senior Technical Architect / Solution Architect
Domain: FinTech / Payment Processing / ACH / Banking Integrations
Engagement: Full-Time
Position Summary:
We are looking for a highly experienced Senior Technical Architect to architect and lead the development of a Payment Processing Platform for a US-based Debt Settlement business, starting from the ground up.
The Payment Platform will integrate with an existing/parallel Debt Settlement CRM. The scope is not to build the CRM. The primary responsibility is to design and implement the complete integration layer and payment-processing ecosystem, ensuring reliable, secure and real-time handshakes between the CRM, Payment Platform, banks, ACH processors and other financial service providers.
The candidate will own the technical architecture from inception through production and will work closely with the CRM team to define and implement APIs, webhooks, event flows, data synchronization, payment instructions, transaction status updates and reconciliation mechanisms.
This is a hands-on architect role requiring strong experience in payment systems and enterprise integrations.
Key Responsibilities
1. Overall Architecture
Design the complete architecture of the Payment Processing Platform from scratch.
Define the boundary between the Debt Settlement CRM and Payment Platform.
Establish the API, event, webhook and integration architecture between the two systems.
Define module/service boundaries, data ownership and system responsibilities.
Design for scalability, security, reliability and financial transaction integrity.
2. CRM ↔ Payment Platform Integration
Design and implement all required handshakes between the CRM and Payment Platform, including:
Customer creation/update
Payment account/sub-account creation
Bank account linking
Payment authorization
Payment scheduling
Payment modification/cancellation
ACH debit initiation
ACH credit/disbursement
Payment status updates
Failed payment notifications
Returns and reversals
Refunds
Settlement updates
Account balance updates
Transaction history
Ledger updates
Reconciliation status
Webhook/event notifications
Error and exception handling
The architect will establish clear request/response contracts, event contracts, authentication mechanisms, retry mechanisms and idempotency rules for every integration.
3. Payment Processing Architecture
Architect the complete payment lifecycle, including:
CRM → Payment Platform → Bank/Processor → ACH Network → Bank/Processor → Payment Platform → CRM
Define how the system handles:
Payment initiation
Authorization
Processing
Pending status
Successful transactions
Failed transactions
ACH returns
Reversals
Refunds
Settlement
Reconciliation
Exceptions
4. ACH / NACHA
Design ACH processing architecture and workflows.
Understand NACHA file formats, transaction codes and ACH lifecycle.
Design ACH submission, processing, returns and settlement flows.
Handle ACH return codes and appropriate downstream updates.
Design integration with ACH processors/banks.
Ensure appropriate validation and auditability of ACH transactions.
5. Ledger & Financial Architecture
Design the financial data model and transaction architecture for:
Customer accounts
Sub-accounts
Transaction ledger
Credits/debits
Available balance
Pending balance
Settled balance
Fees
Payment allocations
Settlement payments
Refunds
Reversals
Adjustments
Reconciliation
Strong preference for candidates with experience designing double-entry or transaction-based financial ledgers.
6. Sub-Account Architecture
Design the architecture for managing individual customer/sub-accounts, including:
Account creation
Account status
Account balances
Funding
Payments
Allocations
Transaction history
Restrictions/holds
Reconciliation
Account closure
7. Banking & Payment Processor Integrations
Architect a flexible integration framework allowing the platform to connect with:
Banks
ACH processors
Payment processors
Account verification providers
KYC/identity providers where applicable
Other financial service providers
The architecture should allow additional processors/providers to be added without major changes to the core platform.
8. API & Integration Architecture
Define:
REST APIs
Webhooks
Event-driven communication
Authentication/authorization
API versioning
Request/response standards
Error standards
Retry mechanisms
Timeout handling
Idempotency
Correlation IDs
Transaction tracking
Audit logging
9. Reliability & Transaction Integrity
Financial transactions must be processed reliably and without duplication.
The architect will design mechanisms for:
Idempotent payment requests
Duplicate prevention
Exactly-once business processing where required
Retry and recovery
Dead-letter handling
Transaction state management
Partial failure handling
Timeout management
Reconciliation
Disaster recovery
10. Security
Design security controls for sensitive financial and customer information, including:
API security
OAuth/JWT or equivalent authentication
RBAC
Encryption in transit and at rest
Secrets management
PII protection
Tokenization where appropriate
Audit trails
Secure webhook validation
Access controls
Secure logging
Experience with PCI DSS, SOC 2, GLBA and US financial-services security requirements is highly desirable.
11. Technical Leadership
Lead the technical architecture and development of the platform.
Work closely with Business Analysts to convert requirements into technical specifications.
Work with the CRM development team to define integration contracts.
Guide developers on implementation.
Conduct architecture and code reviews.
Identify technical risks and dependencies.
Establish coding and integration standards.
Resolve complex technical and architectural issues.
Ensure development remains aligned with the approved architecture.
12. Cloud & DevOps
Design and guide:
Cloud infrastructure
Development/QA/UAT/Production environments
CI/CD pipelines
Containerization
Monitoring
Logging
Alerting
Backup
Disaster recovery
High availability
Security controls
Required Technical Skills
10–15+ years of software engineering experience.
5+ years in architecture/technical leadership roles.
Strong experience building FinTech/payment-processing platforms.
Strong hands-on experience with Node.js / Python/TypeScript.
Experience with Next.js/Nest.js is desirable.
Strong experience with MySQL/PostgreSQL or equivalent relational databases.
Strong REST API and integration experience.
Experience with event-driven architecture and webhooks.
Strong understanding of ACH and NACHA.
Experience with banking/payment processor integrations.
Experience designing financial transaction and ledger systems.
Experience with sub-account/wallet/account architectures.
Strong understanding of reconciliation.
Experience with message queues such as Kafka, RabbitMQ, SQS or equivalent.
Experience with Redis or equivalent caching technologies.
Strong AWS/Azure/GCP experience.
Strong understanding of API security and encryption.
Experience with Docker and CI/CD.
Strong understanding of distributed systems and fault-tolerant architectures.
Must-Have Domain Experience
The ideal candidate should have hands-on experience with several of the following:
Payment processing
ACH
NACHA
Banking APIs
Payment gateways
Payment orchestration
Financial ledgers
Reconciliation
Sub-accounts
Wallets
Transaction processing
Payment failures/returns
Refunds/reversals
Webhooks
Financial APIs
Candidates with actual payment-platform architecture experience should be preferred over candidates who have only generic enterprise architecture experience.
Key Deliverables
The architect will be responsible for producing and maintaining:
1.Overall Solution Architecture
2.CRM ↔ Payment Platform Architecture
3.System Context Diagram
4.Integration Architecture
5.API Architecture
6.API Specifications
7.Webhook Specifications
8.Payment Sequence Diagrams
9.ACH/NACHA Architecture
10.Banking Integration Architecture
11.Ledger Architecture
12.Sub-Account Architecture
13.Database ERD
14.Transaction State Models
15.Error/Retry Architecture
16.Reconciliation Architecture
17.Security Architecture
18.Cloud/Infrastructure Architecture
19.CI/CD Architecture
20.Technical Development Roadmap
Closes in:
0
days
0
hours
0
min
0
sec
tune NOT FOR YOU? IMPROVE YOUR RESULTS