Principal Architect – Payment & Fraud Systems

Principal Architect – Payment & Fraud Systems

Requirements

• 7-10 years of experience in a business environment, preferably within payments, fraud prevention, financial services, or e-commerce.
• 7-10 years of experience as a software or systems architect, engineer, or programmer, with expertise in scalable, high-availability platforms.
• 4-7 years of experience in B2C online e-commerce systems architecture and design.
• Using architecture and design of mobile web applications, including responsive design, hybrid models, and secure mobile payment solutions such as Apple Pay, Google Pay, or QR-based payments.
• Bachelor’s Degree in Computer Science, Information Technology, or a related discipline.

Responsibilities

• Help define software development processes and ensure alignment to security, compliance, and scalability methodologies for payment and fraud platforms.
• Stay up to date with emerging payment technologies, as well as fraud detection strategies, and regulatory requirements to continuously contribute to improvement of platform capabilities.
• Understand the business processes on assigned projects, particularly those related to payment acceptance, transaction routing, chargebacks, and fraud prevention.
• Accomplish organizational goals by accepting ownership for accomplishing new and different requests; explore opportunities to contribute to job accomplishments.
• Translate business requirements into technical requirements and assist other team members in implementing the solution.
• Design and implement real-time transaction refinement solutions that ensure high availability, reliability, and security.
• Provide architectural oversight for payment tokenization, fraud scoring models, and risk mitigation strategies across multiple channels.
• Collaborate with engineering, product management, security, and compliance teams to ensure flawless integration of payment and fraud technologies.
• Lead proof-of-concept (PoC) initiatives to assess new fraud detection techniques, machine learning models, or payment orchestration improvements.
• Optimize payment processing workflows to improve customer experience while maintaining fraud controls and cost efficiency.
• Ensure PCI compliance, data encryption, and secure API integrations for all payment and fraud-related systems.
• Develop and maintain high-level architecture diagrams, user documentation, and standard process guidelines for enterprise-wide reference.
• Provide direct technical evaluation of third-party products for inclusion in T-Mobile solutions.

Preferred Qualifications

• 5+ years of experience in payments architecture, tokenization, and transaction processing, including real-time authorization, settlement, and reconciliation workflows.
• 5+ years of experience in fraud prevention, risk management systems, and security architecture, with knowledge of fraud scoring models, ML driven, fraud detection, and chargeback management.
• Experience with payment orchestration, gateway integrations, and acquirer connections, including experience with PCI DSS compliance and 3DS.
• Experience with cloud-based payment processing architectures, including AWS, Azure, GCP, Kubernetes, or serverless computing models.
• Technology certifications (such as Java, Microsoft, Oracle, AWS, TOGAF, or security-focused certifications like CISSP, CISM, PCI-ISA).