Lead Solution Architect (Retail & Mobile Payments - Nordic Wallets & eCom)

Nordea Group; Helsinki; Hybrid; EUR 110,000 - 160,000; Full time

Job summary

Nordea is seeking a Lead Solution Architect for the Retail & Mobile Payments domain in the Nordic Wallets & eCom area. The role focuses on shaping Digital Euro capabilities, ensuring scalable, secure, and compliant architectures across payment journeys in the Nordic region.

You will work at the intersection of business strategy, customer experience, and technology, defining patterns for onboarding, authentication, transaction initiation and payment execution while guiding multiple teams and

Qualifications

• Experience as a senior architect shaping large-scale payment architectures.
• Exposure to wallets, mobile payments, and e-commerce journeys.
• Ability to translate business needs into executable architectural designs.

Responsibilities

• Define and evolve the target architecture for Digital Euro capabilities within Nordic Wallets & eCom.
• Drive architecture decisions and ensure alignment with Nordea's strategy.
• Translate regulatory requirements into actionable design and governance artefacts.
• Lead architecture reviews and guide delivery teams through governance processes.

Skills

Solution architecture

Digital Euro

Payments

Stakeholder management

Job description

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Lead Solution Architect (Retail & Mobile Payments - Nordic Wallets & eCom)

Job ID:6920

At Nordea, our customers' expectations for simple, secure and seamless digital payment experiences are growing rapidly. Our Service Domain, Retail & Mobile Payments, plays a key role in meeting these expectations by delivering mobile payments, bill payment services and digital wallet solutions across the Nordics. Together, we enable trusted, high-quality payment experiences for millions of customers and businesses.

Welcome to Group Technology, where we pride ourselves on engineering solutions and direct Nordea’s transformation by providing a holistic technological view and structured understanding of the bank, and its surrounding environment to enable the Customer Vision and the Business Strategy. Nordea is a place where traditions meet tomorrow. We're not just a bank, we’rea tech employer on a mission to evolve finance securely and responsibly. Together, we impact millions of people’s daily lives by ensuring they can access our solutions anytime, anywhere, while safeguarding their personal data and wealth. Join us in making an impact on the banking industry.

We are now looking for an experienced Lead Solution Architect to join the Retail & Mobile Payments Service Domain, to help shape future payment services with a primary focus on the Digital Euro initiative within Nordic Wallets & eCom ART.

If you're passionate about technology leadership, modern software architecture and setting the foundation for resilient solutions at scale, this role offers a unique opportunity to deliver meaningful impact while influencing the architectural direction of critical payment services used every day across the Nordic region. In this role, you will help define how Digital Euro capabilities integrate into Nordea's ecosystems.

You will work at the intersection of business strategy, customer experience, payments innovation and technology architecture, ensuring initially that future Digital Euro solutions are scalable, secure, compliant and aligned with Nordea's long-term technology strategy.

About our team

Welcome to the Retail & Mobile Payments Service Domain.

As a Lead Solution Architect, you will be one of the key architecture leaders within the Nordic Wallets & eCom Agile Release Train, responsible for shaping Digital Euro capabilities and their integration into customer-facing payment journeys.

You will work closely with Product Management, Business, Architecture, Engineering, Security, Compliance and external stakeholders to translate evolving Digital Euro requirements into practical and sustainable solution architectures.

You will play a central role in:

• Defining target architectures for Digital Euro adoption.
• Shaping future wallet and e-commerce payment experiences.
• Establishing architecture principles and standards.
• Driving architecture alignment across Service Domains.
• Enabling AI-assisted software engineering and modern delivery practices.
• Supporting Nordea’s transformation toward specification-driven software delivery.

As a Lead Solution Architect, you will combine strategic thinking with deep technical expertise while remaining close to implementation realities and engineering challenges.

What you will be doing

• Define and evolve the target architecture for Digital Euro capabilities within Nordic Wallets & eCom
• Drive architecture decisions supporting the target solution for Digital Euro experiences
• Assess how Digital Euro should coexist with existing payment methods and solutions
• Define architecture patterns for customer onboarding, authentication, transaction initiation, payment execution and customer support processes
• Solution architecture and strategic design into HLD, SDD and other architecture artefacts
• Translate business strategy, customer needs and regulatory requirements into executable solution designs
• Identify architecture impacts across channels, payments, security, data, APIs and operational platforms
• Support architecture governance, approval processes and technical decision-making
• Lead architecture reviews and provide guidance to delivery teams.
• Support the various execution structures and development teams building the solutions with architecture and governance/approval processes

Who you are

At Nordea, we value collaboration, ownership, passion and courage. These qualities are essential as we continue modernising critical payment capabilities and serving millions of customers across the Nordics and now implementing the Digital Euro solution.

To succeed in this role, we believe that you:

• Are an experienced architect with strong technology leadership capabilities
• Can translate business strategy into practical and executable architectures
• Have strong stakeholder management and communication skills
• Enjoy operating in complex and evolving environments
• Balance strategic thinking with a hands-on understanding of implementation realities
• Are passionate about payment innovation and emerging digital payment ecosystems
• Embrace AI-assisted ways of working while ensuring quality and governance
• Enjoy coaching architects and engineering teams

Your experience and background

Required:

• Extensive experience working as a Solution Architect, Lead Architect or Enterprise Architect
• Strong understanding of payments and digital banking
• Experience from wallets, mobile payments, e-commerce payments or customer payment journeys
• Experience designing large-scale payment solutions and distributed platform architectures
• Experience working with API platforms, event-driven architectures, integration platforms, cloud-native technologies, and security and identity services
• Strong knowledge of payment orchestration and customer-facing payment journeys
• Understanding of Context Engineering concepts and their application within modern software engineering organisations
• Ability to lead architecture initiatives across multiple teams and Service Domains

Good to have:

• Understanding of Digital Euro, European payment initiatives, CBDC concepts or payment modernisation programmes
• Experience working with embedded banking, payment initiation and account reporting services
• Experience with AI-assisted software engineering, architecture practices and engineering productivity tooling
• Experience applying Spec-Driven Development principles and specification-based delivery approaches

What makes this role unique

As Lead Solution Architect within Nordic Wallets & eCom, you will help define how Nordea brings Digital Euro capabilities into everyday payment experiences while maintaining the security, reliability and customer trust expected from a leading Nordic bank.

Your work will influence architecture decisions, customer journeys and engineering practices that could impact millions of users across the Nordic region while helping Nordea prepare for the next generation of digital payments.

What we offer

Collaboration. Ownership. Passion. Courage. These are the values that guide us in how we work and how we make decisions – and that we imagine you share with us.

People are driven by many different factors. For some, it’s to take their career to the next level. For others, it’s to break new ground within their area of expertise – in other words, with us, you will always move forward.

A culture that fosters performance and growth in one of the largest Nordic banks, offering various opportunities to evolve, develop and learn from brilliant colleagues with diverse backgrounds in a vibrant working environment.

Hybrid working model – we believe in the value of bringing people together and at the same time we embrace the freedom of flexibility.

Diversity and inclusion are a natural part of our daily work. We know that an inclusive workplace is a sustainable one. We genuinely believe that our diverse backgrounds, experiences, characteristics and traits make us stronger together. Every day we strive to find new ways to improve diversity and inclusion within our community e.g. we have signed the European Diversity Charters in the countries where we operate to show our commitment and engage with others to continue learning and improving.

If this sounds like you, get in touch!

Next steps

Submit your application no later than 17/11/2026.

We enable dreams and aspirations for a greater good.

We build relationships. We add a personal touch to everything we do – when advising our customers, collaborating with colleagues, and meeting our potential candidates.

We learn and develop. We take pride in being experts and thinking ahead. We use our expertise to meet our customers’ needs, from the simplest to the most complex. We bring a growth mindset to our work that enables us to focus on a broader perspective in our daily challenges.

We lead change. We are responsible and aware of the impact of our decisions, both for our customers and for our local and global communities. Mindful of our responsibility towards current and future generations, we have made sustainability an integrated part of our business strategy.

We are Nordea. We have a 200-year history of supporting and growing the Nordic economies and our values are deeply rooted in these open, progressive and collaborative societies. As one of the biggest employers in the Nordics, Poland and Estonia, you have excellent opportunities to evolve, develop and move forward with us.

Only for candidates in Finland: A security clearance will be performed for the person selected for this position.

Only for candidates in Poland:Please include permit for processing personal data in CV as following:

In accordance with art. 6 (1) a and b. Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) hereinafter ‘GDPR’. I agree to have: my personal data, education and employment history proceeded for the purposes of current and future recruitment processes in Nordea Bank Abp.

The administrator of your personal data is: Nordea Bank Abp operating in Poland through its Branch, address: Aleja Edwarda Rydza Śmiglego 20, 93-281 Łodź. Your personal data will be processed for the recruitment processes in Nordea Bank Abp. You have a right to access your personal data, right to rectify and right to delete. Disclosing the personal data in the scope specified by the provisions of Polish Labour Code from 26 June 1974 and executive acts are mandatory. Providing personal data is necessary to conduct the recruitment processes. The request for the deletion of your personal data means resignation from further participation in recruitment processes and causes the immediate removal of your application. Detailed information concerning processing of your personal data can be found at: https://www.nordea.com/en/doc/nordea-privacy-policy-for-applicants.pdf

We reserve the right to reply only to selected applications.