Payment Architect

FDM Group

$90K — $130K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 5+ years of experience in cross-border payments and transaction banking
  • Familiarity with SWIFT messaging and central bank clearing systems
  • Understanding of cross-currency payment flows and the full payments lifecycle
  • Knowledge of ISO messaging standards and payment structures
  • Experience with real-time/high-value payment systems like CHIPS

Responsibilities

  • Support the design and optimization of cross-border payment flows
  • Analyze and improve the payments processing lifecycle
  • Contribute to architecture discussions across payments platforms
  • Translate business requirements into practical technical solutions
  • Provide insights into payments messaging and operational dependencies
  • Support issue resolution and process improvements

Benefits

  • W2 employment type with no sponsorship availability
  • Hybrid work model with required office presence three days a week
  • 12-month initial project with potential for extension
  • Collaboration within a global financial institution
  • Opportunity for a blend of architectural and domain expertise
Full Job Description
Über die Rolle

This position requires the successful candidate to work on a W2 directly with FDM. We cannot accept C2C, 1099 or employment sponsorship (e.g. H1-B) for this position.

FDM is seeking a Architect located in Buffaloto support a project in the financialsector. Involvement in this project is anticipated to last initially 12 monthsbut may be extended.

This role will be hybrid with requirements to be in office 3 days per week.

Das bringst du mit

Overview

We are supporting a global financial institution in identifying a specialist consultant to operate within their US Payments function, focusing on cross-border and cross-currency transaction flows. The role sits at the intersection of payments architecture, business analysis, and system-level design.

Key Responsibilities
  • Support design and optimisation of cross-border, cross-currency payment flows
  • Analyse and improve end-to-end payments processing lifecycle
  • Contribute to architecture discussions across payments platforms and transaction banking systems
  • Translate business requirements into technical and process-level solutions
  • Provide insight into payments messaging, flows, and operational dependencies
  • Support investigations, issue resolution, and process improvements

Core Requirements (Must-Have)
  • Strong knowledge of cross-border payments and transaction banking
  • Experience with:
    • SWIFT messaging
    • Central bank / clearing systems (e.g. Fedwire equivalents)
    • Real-time / high-value payment systems (e.g. CHIPS-type platforms)
  • Understanding of:
    • Cross-currency payment flows
    • Full payments lifecycle (initiation 12 clearing 12 settlement 12 reconciliation)
  • Familiarity with:
    • ISO messaging standards
    • Payment structures such as cover payments, serial flows, investigations

Secondary / Desirable Experience
  • Exposure to sanctions screening processes and controls
  • Awareness of regulatory frameworks within payments environments
  • Experience within global transaction banking / payments teams

Profile & Capabilities
  • Blend of architectural thinking and domain expertise
  • Strong ability to interpret complex payment flows and system interactions
  • Comfortable working in environments where:
    • Internal systems are learned on the job
    • Domain expertise is the key differentiator


Das erwartet dich

FDM Group, Inc. is registered to operate and hire employees in select states within the US. We will consider employment applications exclusively from candidates who are either residing in one of the following states or willing to relocate to them: Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Massachusetts, Maryland, Minnesota, North Carolina, New Jersey, New York, Pennsylvania, Tennessee, Texas, Utah, and Virginia.

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