Java Architect – Payments

Java Architect – Payments (Banking Domain) Location: Charlotte, North Carolina, United States (USA)Hybrid Job DescriptionPayments Architect with 10+ years of IT experience, with strong architecture experience in Banking / Payments platforms.Seeking a hands-on Payments Architect to design and drive scalable, resilient, high-performance payment solutions. The candidate should combine strong payments domain knowledge with enterprise application architecture and provide technical leadership across application, integration, data, infrastructure, and production considerationsRoles & ResponsibilitiesKey ResponsibilitiesDefine solution and technical architecture for payment-processing applications.Design scalable, highly available and resilient solutions for high-volume payment workloads.Provide architecture guidance across application, integration, database, infrastructure, security, and deployment layers.Lead technical design reviews and ensure solutions follow enterprise architecture and engineering standards.Work closely with Product, Business, Engineering, QA, Infrastructure, Database and Operations teams.Guide API, messaging, event-driven and system-integration design.Review application architecture and code/design approaches and identify opportunities for performance and reliability improvements.Provide technical leadership for production issues, root-cause analysis, performance bottlenecks, and architectural remediation.Mentor engineering teams and drive technical best practices.Required Technical SkillsStrong architecture/design experience with Java, Spring Boot and Microservices.Strong understanding of REST APIs, integration patterns and messaging technologies.Experience with Oracle/SQL, including database performance considerations.Experience designing high-volume, distributed and highly available systems.Understanding of cloud/container platforms, preferably Kubernetes/OpenShift.Experience with CI/CD, observability, application security and production-support architecture.Ability to perform hands-on technical/design reviews rather than operating only at a conceptual architecture level.Payments Domain SkillsStrong understanding of end-to-end payment processing.Commercial Banking Payments experience preferred.Knowledge of ISO 20022 and payment messaging.Experience with ACH, Wire, Real-Time Payments and/or SWIFT is desirable.Understanding of transaction processing, validations, exception handling, settlement and reconciliation.