Senior System Architect

Coins; Vila Velha; On-site; BRL 96,000 - 239,000; Full time

Job summary

Coins is seeking a senior technical architect in the Philippines to lead architecture reviews and reconstruction for payment systems. You will plan multi-region, cross-border capabilities and work closely with product teams to implement scalable, secure solutions.

Responsibilities include driving R&D efficiency, governance, and ensuring compliance with PCI DSS and industry standards while maintaining high availability and performance in a regulated environment.

Qualifications

• Bachelor's degree or higher in CS/SE or related fields.
• 5+ years in system architecture design for financial/payments.
• Deep understanding of cross-border payments, SWIFT, CIPS, AML/KYC.

Responsibilities

• Review and reconstruct payment architecture across core modules (transactions, settlement, risk, accounting, channels).
• Plan medium- to long-term technical architecture for cross-border payments and multi-region compliance.
• Coordinate with Product & Tech to translate needs into implementable plans and improve delivery.
• Lead R&D efficiency: specs, tooling, automated tests, and microservice governance.
• Design high-availability, high-concurrency, and secure payment systems with regulatory compliance.

Skills

Java

Microservices

Distributed systems

High concurrency

Cloud-native

Spring Cloud/Dubbo

Education

Bachelor's degree in CS/SE or related

Tools

MySQL

Redis

Kafka/RocketMQ

Docker

Kubernetes

Job description

Join the Pioneer Crypto Brand in the Philippines!

Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services.

Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

Responsibilities

• Architecture Review and Reconstruction: Conduct a comprehensive combing and review of the architecture design of the company's existing payment systems (including transaction systems, clearing and settlement systems, risk control systems, accounting systems, channel management systems, cross-border payment systems, etc.). Focus on core modules in cross-border payment scenarios such as currency conversion, cross-border clearing channels, and multi-region compliance adaptation. Identify architectural defects, performance bottlenecks, security risks, and scalability issues, and formulate and implement end-to-end architecture reconstruction plans.
• Technical Architecture Planning: Based on the business development strategy, especially the expansion needs of cross-border payment business, design the medium and long-term technical architecture plan for the financial payment field. It covers system layering, service splitting, technology selection, middleware governance, cross-border clearing channel adaptation, multi-region compliance architecture design, etc. Ensure the forward-looking and stability of the architecture to support rapid business iteration and scale expansion.
• Product and Technology Collaboration: Deeply connect with the product team to accurately understand business needs and product plans, convert product needs into reasonable technical implementation plans, promote efficient linkage between technology and products, reduce deviations in demand landing, and improve R&D and product delivery efficiency.
• R&D Efficiency Improvement: Take the lead in building an efficient R&D system, including but not limited to the formulation of technical specifications, optimization of R&D toolchains, construction of automated testing and deployment processes, and improvement of microservice governance systems. Reduce R&D costs and improve iteration efficiency and delivery quality.
• Technical Risk Control: Responsible for the design of high availability, high concurrency, data consistency, and security compliance (such as payment license compliance, cross-border payment-related regulations, PCI DSS, relevant specifications of Netlink/UnionPay and overseas payment clearing organizations, etc.) of payment systems (including cross-border payments). Focus on preventing and controlling risks in cross-border payment scenarios such as exchange rate risks, clearing delay risks, and cross-border data transmission risks. Formulate disaster recovery plans and emergency response mechanisms to ensure the stable operation of the system and avoid core technical risks in the financial payment field.

Requirements

• Education and Major: Bachelor's degree or above in Computer Science and Technology, Software Engineering, Information Security or related majors, with more than 5 years of experience in system architecture design in the financial payment field.
• Industry Background: Have core work experience in payment companies, Internet finance enterprises, fintech companies or bank payment departments. Deeply understand the entire payment business process (transaction initiation, routing, risk control, clearing, reconciliation, refund, etc.), and have relevant system design or operation and maintenance experience in cross-border payment business. Familiar with cross-border payment clearing channels (such as SWIFT, CIPS, overseas local payment channels, etc.) and multi-region payment compliance requirements.
• Architectural Capabilities: Have rich experience in distributed system architecture design, proficient in core technologies such as microservices, distributed transactions, high concurrency processing, caching strategies, and message queues; priority will be given to candidates with practical experience in large-scale payment system architecture reconstruction.
• Technology Stack Requirements: Familiar with mainstream back-end development languages such as Java, proficient in microservice frameworks such as Spring Cloud/Dubbo, familiar with the principles and practices of middleware such as MySQL/Redis/Kafka/RocketMQ; priority will be given to candidates with an understanding of cloud-native technologies (Docker, K8s).
• Collaboration and Implementation Capabilities: Have excellent cross-team communication and coordination capabilities, able to efficiently link product, R&D, testing and other teams to promote the implementation of architecture plans; have a strong sense of responsibility and execution, and be able to respond to technical challenges in complex business scenarios.
• Compliance and Security Awareness: Deeply understand relevant laws, regulations and industry standards in the financial payment field (such as PCI DSS, relevant specifications of Netlink/UnionPay, etc.), and have experience in security architecture design and risk prevention and control of payment systems.
• Preferred Qualifications: Experience in the construction of payment license-related systems; led the design and implementation of cross-border payment system architecture; deeply participated in the docking of large-scale cross-border payment channels (such as SWIFT, CIPS, PayPal, Stripe and overseas local payment channels); familiar with multi-region cross-border payment compliance policies (such as Anti-Money Laundering (AML), Know Your Customer (KYC), etc.).

Meaningful Collaborations

The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.

Scalable Growth

Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.

A Space For Bright Ideas

Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.