Payments Architect

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 → clearing → settlement → 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

About FDM

FDM powers the people behind tech and innovation. We spot trends, find top talent, and help businesses stay ahead. With 35+ years of experience, we coach, mentor, and launch fresh thinkers from diverse backgrounds into world-class careers. Partnering with top global companies, we deliver the right talent at the right time—while guiding our people toward exponential growth.

🌍 Global impact – 18 centers across North America, APAC, the UK, and Europe 🚀 25,000+ careers launched – and counting 🤝 300+ trusted client partners

About 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.