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Below are the details of the position:

Job Title: Payments Architect (with Business Analysis Expertise)

Work Location: Bromley, UK (Hybrid – 3 days a week)

Job Description:

* We are seeking a Payments Architect with strong expertise in payment system architecture, clearing mechanisms, and business analysis.

* The ideal candidate should have experience in SEPA (SCT & Instant), RTGS, ACH, ISO 20022 migration, SWIFT messaging (MT/MX), and cross-border payments.

* This role requires both technical leadership and business analysis proficiency, ensuring seamless design and implementation of payment solutions while engaging with regulators, payment schemes, and internal stakeholders.

Key Responsibilities:

* Architect and design payment solutions aligned with global standards, including SEPA SCT/Instant.

* Lead ISO 20022 migration projects, ensuring alignment with SWIFT MX and GPI standards.

* Collaborate with regulators and payment schemes to facilitate direct or indirect participation in payment networks.

* Conduct gap analysis and requirement validation to ensure completeness and accuracy in payment system implementations.

* Drive payment system modernization initiatives, including real-time payment processing, accelerated settlements, and API-based payment integrations.

* Lead business analysis activities, including functional requirement gathering, solution documentation, and process reengineering.

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Experience in Corporate Banking with the following products would be ideal:

* 10+ years of experience in Payment Architecture, Solution Design, and Business Analysis within the banking or fintech sector.

* Expertise in SEPA SCT & Instant, RTGS, ACH, SWIFT (MT/MX), ISO 20022, and real-time payments.

* Strong knowledge of payment settlement mechanisms and FX integration.

* Experience working with payment system regulators and payment scheme participation (direct/indirect).

* Proficiency in requirement gathering, process mapping, and gap analysis to identify and mitigate missed requirements.

* Hands-on experience with payment orchestration, billing integration, and high-value/low-value payment processing.

* Experience in Agile methodologies, working with cross-functional teams in a financial institution or fintech environment.

* Ability to engage with stakeholders across business, operations, IT, and regulatory bodies to ensure smooth implementation of payment solutions