Bank of America Corporation

Architect

Bank of America Corporation • $100K — $130K *
Charlotte, NC 28269In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 5+ years of relevant experience in financial services fraud ecosystems
  • Advanced knowledge of digital and cross-channel fraud trends
  • Proven experience leading large-scale transformation programs like cloud migration or AI adoption
  • Strong expertise in decision intelligence and optimization to improve fraud detection accuracy
  • Demonstrated ability to influence executive strategy and roadmap prioritization

Responsibilities

  • Consult with business and operations to enhance technology effectiveness and address challenges
  • Plan and prioritize architecture tasks to support technology-focused backlog items
  • Conduct design and code reviews to ensure compliance with non-functional requirements
  • Lead development of flexible, modular architectural solutions based on emerging business needs
  • Educate team members on best technology practices and innovative solutions
  • Clarify architectural concepts and assist in system design for implementation
  • Design end-to-end solution architectures for fraud analytics and operations

Benefits

  • Opportunity to drive modernization of legacy processes
  • Ability to shape enterprise architecture and long-term strategy
  • Engagement with innovative technologies like AI, ML, and cloud computing
  • Collaboration with cross-functional teams including fraud operations and data science
  • Focus on user-centric design for improved operational outcomes
Full Job Description
Job Description:

Position Summary-

Architect - Fraud Data, Analytics & Operations is responsible for designing and delivering end-to-end technology solutions that enable proactive fraud detection, prevention, and investigation. This role bridges fraud business needs, data platforms, and advanced analytics, ensuring scalable, real-time architectures that support high-volume transaction monitoring and decisioning.

The architect defines data-driven fraud ecosystems by integrating AI/ML models, rules engines, streaming data pipelines, and case management workflows to enhance detection accuracy and operational efficiency. They ensure solutions align with enterprise data strategy, regulatory requirements, and governance standards, while modernizing legacy platforms into cloud-enabled, event-driven architectures.

Partnering across fraud operations, risk, data science, and engineering teams, the role drives solution design, architecture governance, and innovation, leveraging emerging capabilities such as GenAI, graph analytics, and behavioral intelligence to continuously improve fraud outcomes.

This job is responsible for defining an architectural vision and solution aligned to the enterprise architecture strategy, technology, and platform choices. Key responsibilities include describing the solution intent/associated operating environment, evaluating system impacts, determining the primary systems/sub-systems and their interfaces, and assisting with end-to-end solution design. Job expectations include defining non-functional requirements/architectural runway to support new epics/features and ensuring solutions are fit for purpose by working with stakeholders and service providers.

Responsibilities:

  • Consults with the business and operations to identify and understand challenges and opportunities to improve the use and effectiveness of technology, find creative solutions through knowledge of the domain, practical experiments, and Proof of Concepts, and aligns the solution intent and architectural vision to an evolving backlog of technology change
  • Works with product management and other stakeholders to plan and prioritize technology focused backlog items for the architecture runway to enable business epics/features
  • Performs design and code reviews to ensure all non-functional requirements for a solution are sufficiently met (for example, security, performance, maintainability, scalability, usability, and reliability)
  • Leads rapid shaping of a high level architecture with details filled in with emerging business requirements and ensures architecture is flexible, modular, and designed to adapt easily
  • Educates team members on the technology practices, standardization strategies, and best practices to create innovative solutions
  • Clarifies the architecture and assists with system design for the development teams to support implementation and provides solution options to resolve any architectural impediments
  • Utilizes the defined best practices, templates, and documentation to create architectural designs and suggests improvements to best practices and templates
  • Design end-to-end solution architectures for fraud data, analytics, and operational processes
  • Translate fraud business requirements into technical designs, architecture patterns, and implementation roadmaps
  • Enable real-time fraud detection and decisioning through integration of transaction data, behavioral signals, rules engines, and analytics platforms
  • Support fraud operations through architecture for alerting, triage, investigation, and case management workflows
  • Define and govern fraud data flows across ingestion, enrichment, storage, reporting, and analytics consumption layers
  • Ensure architecture supports scalability, resiliency, performance, and high-volume transaction processing
  • Align solutions with data governance, security, privacy, audit, and regulatory requirements
  • Lead integration design across fraud systems, customer channels, transaction platforms, and enterprise data environments
  • Promote standardization, reusable design patterns, and enterprise architecture alignment
  • Drive modernization of legacy processes through cloud-aligned, API-enabled, and event-driven architecture patterns


Required Qualifications

  • 5+ years of job related experience required .
  • Advanced expertise in financial services fraud ecosystems, including emerging digital and cross-channel fraud trends
  • Demonstrated ability to shape enterprise architecture vision and long-term strategy for fraud and analytics platforms
  • Experience leading large-scale transformation programs (e.g., cloud migration, platform consolidation, AI adoption)
  • Strong background in decision intelligence and optimization, improving false positives and detection precision
  • Proven ability to influence executive-level strategy and roadmap prioritization
  • Experience building and promoting enterprise-wide fraud capabilities and shared services
  • Deep familiarity with industry-leading fraud platforms, consortium data, and external intelligence ecosystems
  • Track record of driving data democratization and self-service analytics for operational users
  • Strong focus on user-centric design, improving investigator experience and operational outcomes


Desired Qualifications
  • Financial industry experience desired .


Skills:
  • Analytical Thinking
  • Architecture
  • Result Orientation
  • Solution Design
  • Technical Strategy Development
  • Application Development
  • Collaboration
  • Data Management
  • DevOps Practices
  • Risk Management
  • Agile Practices
  • Automation
  • Influence
  • Solution Delivery Process
  • Test Engineering


Shift:
1st shift (United States of America)

Hours Per Week:
40

About Bank of America Corporation

Bank of America Merrill Lynch is the corporate and investment banking division of Bank of America. It provides services in mergers and acquisitions, equity and debt capital markets, lending, trading, risk management, research, and liquidity and payments management. It was formed through the combination of the corporate and investment banking activities of Bank of America and Merrill Lynch following the acquisition of the latter by the former in January 2009. Bank of America completed the acquisition of Merrill Lynch & Co on 1 January 2009. Bank of America began rebranding all of its corporate and investment banking activities under the Bank of America Merrill Lynch name in September 2009. In April 2010, Bank of America Merrill Lynch appointed Christian Meissner as head of investment banking for Europe, Middle East and Africa. In April 2011, Bank of America Merrill Lynch integrated its corporate and investment banking operations into a single division. In October 2013, Bank of America Merrill Lynch was recognised as the Most Innovative Investment Bank of the Year in The Banker's Investment Banking Awards.

Bank of America Corporation Careers

Join the dynamic team at Bank of America Corporation, a premier global financial institution where innovation, leadership, and growth go hand in hand. As one of the largest banks in the world, we offer unparalleled job opportunities and a culture that values diversity, inclusion, and professional growth. Work You’ll Do At Bank of America Corporation, you’ll be part of a team that’s dedicated to making a real difference. Whether you’re helping families buy their first home, advising businesses on expansion, or developing cutting-edge financial technologies, your work will have an impact. Our commitment to leadership in the financial industry has never been stronger, and we need passionate, skilled professionals to lead our journey. Explore a World of Opportunities From entry-level positions to leadership roles, Bank of America Corporation offers a variety of career paths in areas such as investment banking, technology, marketing, and risk management. Our job opportunities span the globe, providing the chance to work alongside the best in the industry and develop skills that will propel your career forward. Internship Programs Kickstart your career with Bank of America Corporation’s internship programs. These opportunities provide hands-on experience and a chance to engage in meaningful work that complements your academic studies. Interns gain invaluable networking opportunities, receive mentorship from seasoned professionals, and learn about the culture and operations of a global financial leader. Benefits and Growth Bank of America Corporation is committed to the well-being and continuous professional development of our team members. We offer a competitive benefits package that supports the health, financial stability, and work-life balance of our employees. Our training programs and development initiatives ensure that every team member has the opportunity to grow and advance within the company. Inclusive Culture We believe our strength lies in our diversity. Bank of America Corporation fosters an inclusive environment where all employees can thrive. Through diversity training and a commitment to equal opportunities, we cultivate leadership and innovation that reflect the wide-ranging communities we serve. Join Our Team Are you ready to advance your career at a company that’s at the forefront of the financial industry? Explore the positions available at Bank of America Corporation and find where your skills and interests align with our needs. We are continuously hiring and looking for individuals who are curious, creative, and eager to drive change. Stay Connected Keep up to date with the latest from Bank of America Corporation Careers by subscribing to our job alert emails. Tailor your subscription to receive updates that match your career interests and get insider tips that can help you during your application and interview process. Bank of America Corporation is not just a company—it’s a place where you can shape your future and the future of finance. Join us and be part of a team that’s redefining what a bank can be.
Learn more about Bank of America Corporation
Size
208,000 employees
Market Cap
$260.3 billion
Industry
Finance & Insurance
Net Income
$17.8 billion
Founded
1998
5 Year Trend
-1.4%
NASDAQ
BAC
* Ladders Estimates

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