Principal Architect FinTech Platforms
Principal Architect FinTech Platforms
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Job Description
At TMobile we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package this is Total Rewards. Employees enjoy multiple wealthbuilding opportunities through our annual stock grant employee stock purchase plan 401(k) and access to free yearround money coaches. Thats how were UNSTOPPABLE for our employees!
Job OverviewAre you ready to build the future of consumer financial services with the Uncarrier
As the Principal Systems Architect you will lead the design of scalable secure and highimpact consumer fintech platforms that power digital banking experiences cobranded credit cards embedded finance and personalized financial tools. This role is central to TMobiles broader fintech strategy connecting millions of customers to smarter flawless ways to manage and access moneyacross mobile web and instore channels.
Youll define the architectural vision for bankingasaservice (BaaS) card issuance and processing digital identity and onboarding customer insights and secure integrations with partners and fintech providers. Youll work across engineering product legal compliance and cybersecurity to bring aggressive financial products to lifealigned with regulatory standards and passionate about outstanding user experience. This is a highvisibility highimpact role where youll influence the future of how consumers experience finance with TMobile.
We are a team that encourages innovation and advocates an agile and open approach truly working and playing in the Uncarrier way!
Job Responsibilities:
- Architect consumerfacing financial solutions including digital bank accounts savings and checking tools cobranded credit card products and embedded finance capabilities.
- Define and maintain architectural standards for integration with BaaS providers card issuers/processors KYC/AML vendors and payment networks (Visa Mastercard).
- Collaborate with product managers UX designers and engineers to build intuitive and secure financial experiences for mobilefirst consumers.
- Lead technology evaluations for thirdparty fintech partners covering card issuance core banking platforms data aggregation and personal finance management.
- Ensure secure architecture and data design for customer onboarding credit decisioning account servicing and financial transactions.
- Champion privacy data protection and regulatory compliance (including PCI GLBA CFPB and Reg E) across consumer facing FinTech platforms.
- Implement scalable API architectures for money movement (ACH debit rails instant payout) card management account funding and transaction data enrichment.
- Provide architectural oversight for loyalty integrations rewards platforms and customer engagement engines tied to credit and banking products.
- Lead proofofconcept initiatives to test emerging fintech capabilities such as credit scoring models instant issuing and account verification innovations.
- Maintain system documentation architecture blueprints and technical standards to guide development and crossteam partnerships.
- Act as a strategic advisor on Fin Tech trends and platform roadmapsensuring TMobile delivers differentiated and forwardlooking financial products that improve customer experience.
Knowledge Skill Experience
710 years of experience:
- In financial services FinTech or digital banking environments with customerfacing product delivery. (Required)
- In enterprise systems architecture software engineering or infrastructure design at scale. (Required)
5 years of experience:
- Crafting or integrating consumer banking platforms credit card issuance systems or BaaS platforms (e.g. Galileo Marqeta Synapse Bond Unit). (Preferred)
- Working with KYC/AML vendors fraud prevention tools or financial data aggregators (e.g. Alloy Persona Plaid Trustly MX). (Preferred)
47 years of experience:
- In mobile and web application architecture for financial products including account opening card activation and account servicing. (Required)
- Crafting compliant FinTech systems within the framework of PCI DSS SOC 2 and other regulatory obligations. (Preferred)
- With cloudnative development (AWS GCP Azure) containerization (Docker and Kubernetes) and APIfirst ecosystems. (Preferred)
Education:
Bachelors Degree in Computer Science Engineering or a related field. Advanced degrees or business/fintech certifications are a plus.
Licenses and Certifications:
Certifications such as AWS Architect TOGAF CISSP or fintech/bankingspecific credentials (e.g. FCP CRCM) are desirable.
Legally authorized to work in the United States
Travel:
Travel Required (Yes/No):Yes
DOT Regulated:
DOT Regulated Position (Yes/No):No
Safety Sensitive Position (Yes/No):No
Base Pay Range: $123800 $223300Corporate Bonus Target: 20
The pay range above is the general base pay range for a successful candidate in the role. The successful candidates actual pay will be based on various factors such as work location qualifications and experience so the actual starting pay will vary within this range.
At TMobile employees in regular nontemporary roles are eligible for an annual bonus or periodic sales incentive or bonus based on their role. Most Corporate employees are eligible for a yearend bonus based on company and/or individual performance and which is set at a percentage of the employees eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance. To find the pay range for this role based on hiring location TMobile our benefits exemplify the spirit of One Team Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and parttime employees have access to the same benefits when eligible. We cover all of the bases offering medical dental and vision insurance a flexible spending account 401(k) employee stock grants employee stock purchase plan paid time off and up to 12 paid holidays which total about 4 weeks for new fulltime employees and about 2.5 weeks for new parttime employees annually paid parental and family leave family building benefits backup care enhanced family support childcare subsidy tuition assistance college coaching short and longterm disability voluntary AD&D coverage voluntary accident coverage voluntary life insurance voluntary disability insurance and voluntary longterm care insurance. We dont stop there eligible employees can also receive mobile service & home internet discounts pet insurance and access to commuter and transit programs! To learn about TMobiles amazing benefits check out.Never stop growing!
As part of the TMobile team you know the Uncarrier doesnt have a corporate ladderits more like a jungle gym of possibilities! We love helping our employees grow in their careers because its that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity youre living our values while investing in your career growthand we applaud it. Youre unstoppable!
TMobile USA Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age race ethnicity color religion creed sex sexual orientation gender identity or expression national origin religious affiliation marital status citizenship status veteran status the presence of any physical or mental disability or any other status or characteristic protected by federal state or local law. Discrimination retaliation or harassment based upon any of these factors is wholly inconsistent with how we do business and will not be tolerated.
Talent comes in all forms at the Uncarrier. If you are an individual with a disability and need reasonable accommodation at any point in the application or interview process please let us know by emailing or calling. Please note this contact channel is not a means to apply for or inquire about a position and we are unable to respond to nonaccommodation related requests.
Required Experience:
Staff IC
Employment Type
Full-Time
