Senior Solutions Architect – Global Payments Platforms
Full-Time | Remote / LATAM (Must have advanced English)
About the Role:
We are seeking a Senior Solutions Architect – Global Payments to design and lead the evolution of a multi-country, multi-rail payments and credit platform supporting card acceptance (CP + CNP), fuel card integrations, direct bill, ACH/RTP, and custom aviation billing workflows.
This role will define the target-state architecture across:
- Multi-acquirer strategy (US, EU, LATAM)
- Custom orchestration layer (routing, retry, failover, token abstraction)
- PSD2/SCA/3DS compliance
- Stored credential and MIT frameworks
- Fuel card integrations
- Direct bill and credit lifecycle automation
- Treasury and settlement integration
The architect will partner with product, treasury, operations, and engineering to build a resilient, scalable payments platform that supports high-value aviation transactions and enterprise-grade credit models.
Key Responsibilities:
Payments Architecture & Strategy
- Define target-state payments architecture across card-present and card-not-present environments.
- Design 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 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 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 monitoring and observability strategy.
- Define KPIs: auth rates, decline recovery, SCA success, cost per transaction.
Required Experience
- 10+ years in payments architecture, fintech, or financial infrastructure.
- Experience with at least one:
- Traditional acquirer (Elavon, Fiserv, Worldpay) - preferred
- Global PSP (Stripe, Adyen)
- In-house payment gateway build
- Deep knowledge of:
- CP + CNP flows
- SCA / 3DS 2.x
- Stored credentials & MIT
- Multi-MID and cross-border setups
- Experience with ACH, RTP, SEPA, or direct debit rails.
- Exposure to commercial / fleet / fuel card ecosystems strongly preferred.
- Experience designing high-availability systems for 24/7 operations.
Strongly Preferred
- Experience in aviation, travel, hospitality, or fleet payments.
- Multi-country regulatory experience (EU + US).
- Direct bill / B2B credit lifecycle experience.
- Familiarity with PCI scope reduction strategies.
- Experience leading payments transformation programs.
Soft Skills
- API-driven architectures
- Event-driven systems
- Idempotency and retry design
- Token vault abstraction
- Microservices-based routing engines
- Cloud-native deployment models (AWS/Azure)
The pay rate for this position is
- Senior Associate L3 (10+ YoE) USD $45.50/$49.00 - $52.00/56.00/hour
The estimated pay rate is based on the candidate’s demonstrated experience, English proficiency, technical assessment results, and overall alignment with the role requirements.