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We are seeking an experienced Payments Technical Architect to design, implement, and optimize payment solutions for our clients with a key focus on modernization and embedded payments. The ideal candidate will play a key role in defining technical architectures, ensuring scalability, security, and compliance, while collaborating with stakeholders to align payment systems with business goals.

This person will be involved in (and enjoy) the full client lifecycle, from providing clients with insights, to proposing projects and supporting consulting end to end engagements.

The Work:

Key Responsibilities:
Lead and execute Accenture92s go-to-market strategy for payments modernization
Leverage modern architecture and engineering approach to design end-to-end payment solutions for commercial and retail banks, networks, payment processors, ensuring scalability, reliability, and security
Collaborate with senior client business and technical teams (CIO, CTO, LOB leaders) to sell, define and deliver payment solutions that meet their complex needs and comply with industry standards.
Evaluate and integrate payments APIs, and third-party service providers (eg Finacle, FIS, TSYS, Finastra, Fiserv, Volante, etc.)
Ensure compliance with regulatory frameworks and other relevant standards.
Optimize payment processes for cost efficiency, reduced latency, and enhanced user experience.
Provide technical leadership during system migrations, upgrades, or integrations with new payment platforms.
Develop documentation and maintain best practices for payment architecture and integrations.
Lead the resolution of technical issues related to payment systems.
Stay updated on the latest trends such as CBDC and GenAI, tools, and technologies in the payments domain.

Travel:

Travel, as required, up to 80%.

Required:
Consulting experience (preferably 5+ years)
- Bachelor92s degree in Computer Science, Engineering, or a related field.
Proven experience as a Technical Architect or similar role in payments or financial services.
Deep understanding of payment systems, gateways, and protocols (e.g., ISO 20022, Open Banking, SWIFT CBPR+, NACHA, FedWire, and ISO 8583).
Strong knowledge tokenization and encryption standards.
Experience with modern architecture and engineering practices (e.g. Domain Driven Design, Event Driven Architecture).
Experience with cloud platforms (AWS, Azure, GCP) and microservices architecture.
Excellent communication and stakeholder management skills.

Preferred:
Experience with platforms and payment orchestration layers.
Knowledge of fraud prevention technologies and tools.
Experience with real-time payment systems (e.g., RTP, FedNow).
Certifications in cloud architecture or payments (e.g., AWS Solutions Architect, Certified Payments Professional).

Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired as set forth below. We anticipate this job posting will be posted until 07/25/2026. Accenture offers a market competitive suite of benefits including medical, dental, vision, life, and long-term disability coverage, a 401(k) plan, bonus opportunities, paid holidays, and paid time off. See more information on our benefits here:

Role Location Annual Salary Range California $132,500 to $338,300 Cleveland $122,700 to $270,600 Colorado $132,500 to $292,200 District of Columbia $141,100 to $311,200 Illinois $122,700 to $292,200 Maine $112,900 to $249,000 Maryland $132,500 to $292,200 Massachusetts $132,500 to $311,200 Minnesota $132,500 to $292,200 New York $122,700 to $338,300 New Jersey $141,100 to $338,300 Virginia $122,700 to $311,200 Washington $141,100 to $311,200