Senior Solutions Architect – Global Payments

Job Title- About the Role: Senior Solutions Architect – Global Payments

Job Location- Full-Time | Remote / LATAM

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)