Senior Architect, Software Engineering

Western Union; Austin (TX); On-site; USD 140,000 - 180,000; Full time

Benefits offered by this job

Paid Time Off

Medical, Dental and Life Insurance

Tuition Assistance Program

Student Loan Repayment

Parental Leave

Employee Discount Program

Global Scholarship Awards Program

401K plan

Job summary

Western Union is looking for a skilled professional to lead the design and delivery of cloud-native solutions in Austin, Texas. The ideal candidate will have extensive experience in banking and fintech, focusing on digital banking and payment systems. Responsibilities include designing scalable architectures using AWS, collaborating with compliance teams, and mentoring engineering teams. The position offers a hybrid work model and a competitive salary range of $140,000 to $180,000 USD per year, along with comprehensive benefits such as health insurance and a 401K plan.

Qualifications

• 8+ years experience in banking, fintech, or payments technology.
• Strong hands-on experience with AWS Cloud services.
• Experience with real-time payment systems preferred.

Responsibilities

• Lead the design for scalable, secure, cloud-native solutions.
• Define architectures on AWS for digital banking and payment systems.
• Collaborate with Risk, Compliance, and Operations teams.

Skills

AWS Cloud expertise

Digital Banking knowledge

API and event-driven systems design

Experience in regulated environments

Understanding of payment lifecycles

Education

Master's degree or equivalent experience

Bachelor's degree in Computer Science

Tools

EC2

API Gateway

DynamoDB

CloudFormation

CI/CD tools

Job description

Position location: Austin, TX

In this role, you are responsible for leading the design and delivery of scalable, secure, cloud‑native solutions across digital banking, wallets, cards, and payment platforms. This role combines hands‑on technical leadership with domain expertise to translate complex business requirements into robust architectural solutions, while mentoring teams and driving engineering excellence.

Role Responsibilities

Solution Architecture & Design

• Lead the end‑to‑end solution design for digital banking, wallet, card issuing/processing, and payment systems.
• Define cloud‑native architectures on AWS, leveraging managed services for scalability, resiliency, and security.
• Design API‑first, event‑driven architectures supporting real‑time and batch payment flows.
• Ensure clear separation between channels, orchestration, domain services, ledger, and settlement systems.
• Review and approve solution designs to ensure alignment with enterprise architecture, security, and compliance standards.

Banking & Payments Domain Expertise

• Apply strong domain knowledge across:
  • Digital Banking platforms
  • Wallets and stored‑value systems
  • Card issuing, authorization, clearing, and settlement
  • Domestic and cross‑border payment rails
• Design solutions that address funds availability, settlement finality, reconciliation, and accounting.
• Ensure architectures support regulations, compliance, and audit requirements across regions.
• Collaborate with Risk, Compliance, and Operations to embed controls, traceability, and auditability into solutions.

Role Requirements

• Master's degree with 8+ years or bachelor's degree in computer science or related fields with 10+ years of banking, fintech, or payments technology. Equivalent work experience in lieu of degree in banking, fintech, or payment technology.
• Proven experience across Core banking, Digital Banking, Wallets, Cards, or Payments architecture.
• Strong understanding of banking as a service, payment lifecycles, ledgering, settlement, and reconciliation.
• Experience working in regulated environments with compliance and audit requirements.
• Strong hands‑on experience with AWS Cloud, including services such as: Compute (EC2, ECS/EKS, Lambda); API & Integration (API Gateway, EventBridge, SQS, SNS); Data (RDS, PGSql, DynamoDB etc); Security & Monitoring (IAM, CloudWatch, CloudTrail).
• Deep experience designing API‑driven and event‑based systems.
• Strong understanding of distributed systems, scalability, and resiliency patterns.
• Experience with CI/CD pipelines and infrastructure‑as‑code.

Preferred Qualifications

• Experience with real‑time payment systems and local payment rails.
• Exposure to cross‑border payments and multi‑currency systems.
• AWS certifications (Solutions Architect or equivalent).
• Experience modernizing legacy banking or payment platforms.

Applicants must be currently authorized to work in the United States on a full‑time basis. Western Union will not sponsor applicants for work visas for this position.

Work Shift

HYBRID - Western Union values in‑person collaboration, problem solving, and ideation whenever possible. We believe this fosters common ways of working and supports how we execute initiatives for our customers. The expectation is to work from the office a minimum of three days a week.

Benefits

You will also have access to short‑term incentives, multiple health insurance options, accident and life insurance, and access to best‑in‑class development platforms, to name a few
(https://careers.westernunion.com/global-benefits/). Please see the location‑specific benefits below and note that your Recruiter may share additional role‑specific benefits during your interview process or in an offer of employment.

Your United States - Specific Benefits Include

• Paid Time Off
• Medical, Dental and Life Insurance
• Tuition Assistance Program
• Student Loan Repayment (below manager level only)
• Parental Leave
• One day volunteer time off
• $0 Money Transfer Fee Discount Code - Quarterly
• Recognition Program "Game Changers"
• Employee Discount Program
• Global Adoption Assistance
• Global Scholarship Awards Program
• 401K plan

Salary

Annual base salary range is $140,000 - 180,000 USD per year. Total on‑target compensation includes a base salary and short‑term that align with individual and company performance. Actual salaries will vary based on candidates' qualifications, skills, and competencies.

We are passionate about honoring our employee's identity and fostering a feeling of belonging. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

Estimated Job Posting End Date: 05-29-2026

This application window is a good‑faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.