Payment Architect (Functional, ACH, Wire, RTP, SWIFT, Cards, Business Process)

Position : Payment Architect (Functional, ACH, Wire, RTP, SWIFT, Cards, Business Process) : Locals and Only for USA
Location : Austin Texas (Onsite)
Type of Job : Contract : 12 Months
Experience : 15+ Years

Strong Communication and locals are highly preferred

Skills-
We are seeking a highly experienced Payment Architect with a strong functional and business-facing background to support strategic payment initiatives.
This role will act as a bridge between business stakeholders, product teams, and technology, ensuring that payment solutions are aligned with business objectives, regulatory requirements, and operational needs.
The ideal candidate will have deep expertise in payment domains (ACH, Wire, RTP, SWIFT, Cards) along with excellent communication and stakeholder management skills to drive discussions, gather requirements, and translate them into effective solutions. Key Responsibilities
Business & Stakeholder Engagement
Act as the primary liaison between business, product, and technology teams for payment-related initiatives
Lead daily interactions with stakeholders to gather, refine, and validate requirements
Translate complex business needs into functional requirements and solution designs
Facilitate workshops, discussions, and decision-making sessions with cross-functional teams
Define end-to-end payment flows and functional architecture across ACH, Wire, RTP, and card systems
Provide domain expertise in payment lifecycle (initiation, processing, clearing, settlement, reconciliation) Required Qualifications
10+ years of experience in payments domain with strong functional expertise
In-depth knowledge of ACH, Wire, SWIFT, RTP, Cards, and payment lifecycle processes
Proven experience working in business-facing or functional architect roles
Strong experience in requirement gathering, stakeholder management, and solutioning
Excellent communication, presentation, and interpersonal skills
Ability to work in fast-paced, cross-functional environments
Regulatory & Compliance Alignment
Ensure solutions comply with NACHA, SWIFT, ISO 20022, PCI-DSS, and other regulatory standards

Preferred Qualifications
Experience in financial services or brokerage domain
Familiarity with payment modernization and digital transformation initiatives Key Skills
Payments Domain Expertise | ACH | Wire | SWIFT | RTP | Cards
Functional Architecture | Requirement Gathering | Process Design
Stakeholder Management | Business Analysis | Regulatory Compliance