Payments Architect - Java

Voto Consulting LLC; Charlotte (NC); On-site; USD 140,000 - 190,000; Full time

Job summary

Voto Consulting LLC in Charlotte, NC seeks a Senior Payments Architect with a strong background in banking payments architectures. The role demands hands-on design across API, messaging, and system integration, with leadership across teams and delivery lifecycles.

The candidate should own solution architecture for high-volume payment processing, drive reliability, and mentor engineers while aligning with enterprise standards and security practices.

Qualifications

• Hands-on Payments Architect with 10+ years of IT experience in Banking/Payments.
• Design scalable, high-performance payment solutions and drive architecture.
• Provide technical leadership across applications, integration, data, infrastructure and production.
• Lead architecture reviews and ensure standards compliance.
• Collaborate with Product, Engineering, QA, Infra and Ops teams.
• Guide API, messaging, event-driven and system integration designs.
• Mentor engineers and drive best practices.

Responsibilities

• Define solution and technical architecture for payment-processing applications.
• Design scalable, highly available and resilient payment systems.
• Provide architecture guidance across application, integration, database, infrastructure and security layers.
• Lead technical design reviews and ensure compliance with enterprise standards.
• Collaborate with Product, Business, Engineering, QA, Infrastructure and Operations teams.
• Guide API, messaging, event-driven and system integration designs.
• Review architectures and code to identify performance and reliability improvements.
• Provide leadership for production issues, root-cause analysis and remediation.
• Mentor engineering teams and promote best practices across projects.

Skills

Java

Spring Boot

Microservices

REST APIs

Messaging

Oracle/SQL

Kubernetes

OpenShift

CI/CD

Observability

Security

Production support

Job description

Stakeholder note :- Need hardcore architect with strong payment architecture background. Lead/Staff/Principal will not work for this role.

Location: Charlotte, North Carolina

Minimum Year of Experience: 10 to 15 Years

Summary

• Payments Architect with minimum 10+ years of IT experience, with strong architecture experience in Banking / Payments platforms.
• Seeking a hands-on Payments Architect to design and drive scalable, resilient, high-performance payment solutions.
• The candidate should combine strong payments domain knowledge with enterprise application architecture and provide technical leadership across application, integration, data, infrastructure, and production considerations
• Define solution and technical architecture for payment-processing applications.
• Design scalable, highly available and resilient solutions for high-volume payment workloads.
• Provide architecture guidance across application, integration, database, infrastructure, security, and deployment layers.
• Lead technical design reviews and ensure solutions follow enterprise architecture and engineering standards.
• Work closely with Product, Business, Engineering, QA, Infrastructure, Database and Operations teams.
• Guide API, messaging, event-driven and system-integration design.
• Review application architecture and code/design approaches and identify opportunities for performance and reliability improvements.
• Provide technical leadership for production issues, root-cause analysis, performance bottlenecks, and architectural remediation.
• Mentor engineering teams and drive technical best practices.

Required Technical Skills

• Strong architecture/design experience with Java, Spring Boot and Microservices.
• Strong understanding of REST APIs, integration patterns and messaging technologies.
• Experience with Oracle/SQL, including database performance considerations.
• Experience designing high-volume, distributed and highly available systems.
• Understanding of cloud/container platforms, preferably Kubernetes/OpenShift.
• Experience with CI/CD, observability, application security and production-support architecture.
• Ability to perform hands-on technical/design reviews rather than operating only at a conceptual architecture level.
• The internal client payments discussion specifically calls out strong Java/Spring Boot capabilities along with database/Oracle and infrastructure knowledge, and emphasizes hands-on engineers who can work across technology layers.

Payments Domain Skills

• Strong understanding of end-to-end payment processing.
• Knowledge of ISO 20022 and payment messaging.
• Experience with ACH, Wire, Real-Time Payments and/or SWIFT is desirable.
• Understanding of transaction processing, validations, exception handling, settlement and reconciliation.