Payments Solutions Architect

Req ID: 363017

NTT DATA strives to hire exceptional, innovative and passionate individuals who want to grow with us. If you want to be part of an inclusive, adaptable, and forward-thinking organization, apply now.

We are currently seeking a Payments Solutions Architect to join our team in Charlotte, North Carolina (US-NC), United States (US).

Who we are:

NTT DATA America strives to hire exceptional, innovative, and passionate individuals who want to grow with us. NTT DATA’s Payments expertise helps our clients define and implement core capabilities required to adapt to today’s rapidly evolving payments ecosystem. We leverage the deep and collective experience that our consultants have gained from working with the largest global payments organizations to support our clients move forward with key business initiatives while getting the most out of existing products and services. Learn more about how we partner with our Banking & Financial Services clients:  

How You’ll Help Us:

As a Financial Services Payments Consulting Manager – Payments Solutions Architect , your expertise and leadership will significantly contribute to our firm's success and strategic objectives. Your insights and contributions will enhance our firm’s reputation, influence industry trends, and position us as leaders in the payments consulting space and you will play a critical role in driving our firm’s growth, delivering exceptional value to clients, and shaping the future of payments consulting. Together, we will innovate, achieve excellence, and create lasting impact in the financial services industry.

How We Will Help You:

Joining NTT DATA is not only a job, but a chance to grow your career. We are committed to supporting your professional growth, development, and overall success. You will have the opportunity to engage in diverse and challenging consulting projects with leading financial institutions, payment processors, and fintech companies, and stay at the forefront of innovation with access to cutting-edge payment technologies, platforms, and tools. You will lead initiatives focused on payment strategy development, technology implementation, and operational optimization, contributing to impactful solutions and client success.

Why the Role Is Important:

The role of the Financial Services Payments Consulting Manager – Payments Solutions Architect is pivotal in driving innovation, enhancing customer experiences, supporting business growth, and navigating complexities within the payments landscape. By leveraging expertise in both legacy and emerging payment technologies, the Consulting Manager helps organizations achieve strategic objectives, maintain competitiveness, and deliver value-added solutions to clients and stakeholders.

Overview:
We are seeking an experienced Payments Solution Architect to work as a consultant designing and delivering modern, scalable payment solutions across multiple payment rails. This role partners with financial institutions, fintechs, and internal teams to architect end-to-end payment platforms that are secure, resilient, and future-ready.

Key Responsibilities:

• Architect and design solutions across ACH, wire payments, SWIFT, and real-time payment rails (e.g., RTP, FedNow).
• Lead current-state assessments and define target-state architectures aligned to business and regulatory requirements.
• Design modern, API-driven, cloud-ready and/or on-prem payment platforms, including integration patterns and data flows.
• Advise on payment modernization initiatives, including migration from legacy systems.
• Collaborate with business stakeholders, engineers, vendors, and operations teams to translate requirements into technical designs.
• Produce high-quality architecture artifacts (solution designs, diagrams, interface specifications, and architecture decision records).
• Ensure solutions meet security, resiliency, compliance, and performance standards.

Required Skills:

• Ability to translate business requirements into clear, pragmatic technical solutions.
• Strong communication skills with experience working in client-facing or consulting roles.
• Bachelor’s degree in Computer Science, Engineering, or a related field (or equivalent practical experience).

Required Qualifications:

• 8+ years of experience in payments, banking technology, or financial services systems.
• 4+ years of proven hands-on experience architecting solutions for ACH, wires, SWIFT, and real-time payment rails.
• 4+ years end-to-end payment processing, settlement, reconciliation, and exception handling.
• 4+ years of experience designing modern architectures using APIs, microservices, and event-driven patterns.

Nice to Have:

• Payments experience solutioning leveraging AI
• Experience with payment hubs, switches, or core banking integrations.
• Knowledge of ISO 20022 and large-scale payment modernization programs.
• Cloud architecture experience (AWS, Azure, or GCP).
• Relevant certifications (e.g., AWS, TOGAF, or payments-related certifications).

#LI-NorthAmerica #Payments #SoftwareEngineering

About NTT DATA

NTT DATA is a $30 billion business and technology services leader, serving 75% of the Fortune Global 100. We are committed to accelerating client success and positively impacting society through responsible innovation. We are one of the world's leading AI and digital infrastructure providers, with unmatched capabilities in enterprise-scale AI, cloud, security, connectivity, data centers and application services. our consulting and Industry solutions help organizations and society move confidently and sustainably into the digital future. As a Global Top Employer, we have experts in more than 50 countries. We also offer clients access to a robust ecosystem of innovation centers as well as established and start-up partners. NTT DATA is a part of NTT Group, which invests over $3 billion each year in R&D.

Whenever possible, we hire locally to NTT DATA offices or client sites. This ensures we can provide timely and effective support tailored to each client’s needs. While many positions offer remote or hybrid work options, these arrangements are subject to change based on client requirements. For employees near an NTT DATA office or client site, in-office attendance may be required for meetings or events, depending on business needs. At NTT DATA, we are committed to staying flexible and meeting the evolving needs of both our clients and employees. NTT DATA recruiters will never ask for payment or banking information and will only use @nttdata.com, @global.nttdata.com and @talent.nttdataservices.com email addresses. If you are requested to provide payment or disclose banking information, please submit a contact us form,

NTT DATA endeavors to make accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at . This contact information is for accommodation requests only and cannot be used to inquire about the status of applications. NTT DATA is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. For our EEO Policy Statement, please click here . If you'd like more information on your EEO rights under the law, please click here . For Pay Transparency information, please click here .