Senior Solutions Architect, Payments

Commonwealth Bank; Sydney; On-site; AUD 180,000 - 240,000; Full time

Job summary

Commonwealth Bank is seeking a Senior Solutions Architect to shape end-to-end architecture for domestic, international and high-value payments. You will influence across multiple delivery crews, set architectural direction and ensure secure, scalable patterns align with the Payments strategy.

You will collaborate with engineering, product, security and risk teams to translate strategy into practical designs, drive governance, and promote reusable patterns across platforms.

Qualifications

• Senior architecture capability and technical judgment.
• Experience in payments, ideally in a large financial institution.
• Experience across Australian domestic payments, international payments, RTGS and high-value ecosystems.
• Strong understanding of ISO 20022 and end-to-end payment lifecycles.

Responsibilities

• Lead end-to-end solution architecture for complex payment initiatives across multiple crews.
• Shape Payments domain architecture and translate strategic direction into practical solution designs.
• Establish and promote reusable architecture patterns, guardrails and API standards.
• Guide engineering and delivery teams to apply architecture standards consistently while trade‑offs across cost, risk, resilience and delivery.
• Design secure, scalable and highly available solutions meeting resilience and regulatory expectations.
• Own significant architecture decisions from concept through delivery.
• Engage with engineers and leads, translate architecture into implementable patterns.
• Design for operability, observability, recoverability and production resilience.
• Identify opportunities for generative AI across the Payments tech landscape.
• Produce architecture artefacts and drive governance decisions.

Skills

APIs

Microservices

Event-driven

Cloud-native

AWS experience

Security and resilience

Non-functional design

Generative AI awareness

Tools

AWS

Job description

• Shape secure, resilient and scalable solutions across domestic, international and high-value payments.
• Influence Payments strategy, modernisation and architecture across multiple technology crews.
• Help shape the future of Payments using API-first, cloud-native, event-driven and AI-enabled technologies.

Do work that matters

Business Banking Technology brings technology and operations together across the Business Bank, partnering with the business to solve real-world problems through modern engineering, resilient platforms, data and AI-driven insights.

Our Payments stream delivers technology that helps small and corporate business customers move money securely and reliably.

Payments is evolving rapidly. Real-time payments, ISO 20022, open APIs and AI are changing how money moves, while we continue to modernise and simplify the platforms behind it.

As a Senior Solutions Architect, you'll shape the solutions that enable this change, ensuring they are secure, resilient, reusable and aligned to our Payments strategy and enterprise architecture.

You’ll lead end-to-end solution architecture across account-to-account payments, spanning domestic, international and high-value payment ecosystems. Working across multiple delivery crews, you’ll set architectural direction, connect decisions across initiatives and help teams make pragmatic trade-offs between strategic direction and delivery needs.

See yourself in our team

You’ll join the Payments Technology architecture community, working across domestic, high-value and international payments and partnering closely with engineering, product, security, risk, business and enterprise architecture teams.

This role suits someone who can see beyond an individual solution to understand the broader ecosystem, dependencies, trade-offs and longer-term implications of technology decisions.

In this role, you will

• Lead end-to-end solution architecture for complex payment initiatives across multiple crews.
• Shape Payments domain architecture and translate strategic direction into practical solution designs.
• Establish and promote reusable architecture patterns, guardrails and API standards.
• Guide engineering and delivery teams to apply architecture standards consistently while making pragmatic trade-offs across cost, risk, resilience, performance and delivery.
• Design secure, scalable and highly available solutions that meet resilience, risk and regulatory expectations.
• Own significant architecture decisions from concept through delivery, ensuring architectural intent is maintained as solutions evolve.
• Engage deeply with engineers and technical leads, challenge designs constructively and translate architecture into implementable patterns.
• Design for operability, observability, recoverability and production resilience.
• Identify practical opportunities for generative and agentic AI across the Payments technology landscape.
• Produce clear architecture artefacts and drive effective decisions through architecture and governance forums.
• Partner across enterprise architecture, engineering, security, risk, product and business teams to turn complex requirements into practical, future-ready solutions.

We're interested in hearing from people who

• You may already be a Senior Solutions Architect, or you may be an experienced Solution Architect, Technology Architect or Senior Engineering
• Lead ready to operate across a broader architecture landscape.
• Strong architecture capability, technical judgement and relevant domain experience matter more than your current title.
• Strong experience within payments, ideally in a large financial institution or complex enterprise environment.
• Experience across several areas such as Australian domestic payments, international payments, correspondent banking, RTGS and high-value payment ecosystems.
• Strong understanding of ISO 20022 and end-to-end payment lifecycles.

Architecture and technology

• Strong architecture experience across APIs, microservices and event-driven systems.
• Experience designing cloud-native solutions, with AWS experience highly regarded.
• Strong understanding of integration patterns, security, resilience and non-functional design.
• Experience modernising complex or legacy platforms through domain decoupling, decomposition and progressive modernisation.
• Working knowledge of established architecture methods and practices.
• An understanding of generative and agentic AI, with the ability to identify where these technologies can add practical value.

How you work

• You influence through trust, clarity and technical credibility rather than hierarchy.
• You can move comfortably between strategic architecture and practical delivery.
• You simplify complex problems and communicate architecture decisions clearly to technical and non-technical stakeholders.
• You can navigate ambiguity and manage competing priorities across multiple initiatives.
• You're curious and pragmatic, with the judgement to balance business outcomes, architecture direction, risk and delivery constraints.

How you'll know you're succeeding

• Payment solutions are secure, resilient, scalable and aligned to strategic architecture.
• Crews adopt reusable patterns and domain guardrails rather than solving the same problems independently.
• Architecture decisions reduce unnecessary complexity, fragmentation and duplication.
• Engineering and product teams have clear architectural direction and can make decisions faster.
• You make a visible contribution to the modernisation and simplification of the Payments technology landscape.

Working with us

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