Principal Architect Payment Fraud Systems
Principal Architect Payment Fraud Systems
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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!
Are you ready to join the Uncarrier movementThe Principal Systems Architect crafts scalable secure and highperformance payment and fraud management solutions. This role focuses on payment processing inhouse tokenization fraud detection and risk mitigation across ecommerce instore and mobile channels. The architect defines and maintains architecture technology standards and best methodologies for realtime transaction processing middleware and databases encompassing both inhouse development and thirdparty integrations. They provide leadership to project teams ensuring compliance with industry standards regulatory requirements and internal practices. Additionally the architect evaluates and recommends emerging payment technologies fraud prevention techniques and sophisticated security measures to improve the overall platforms resilience and efficiency.
We are a team that encourages innovation and advocates an agile and open approach truly working and playing in the Uncarrier way!
Job Responsibilities:
- Help define software development processes and ensure alignment to security compliance and scalability methodologies for payment and fraud platforms.
- Stay up to date with emerging payment technologies as well as fraud detection strategies and regulatory requirements to continuously contribute to improvement of platform capabilities.
- Understand the business processes on assigned projects particularly those related to payment acceptance transaction routing chargebacks and fraud prevention.
- Accomplish organizational goals by accepting ownership for accomplishing new and different requests; explore opportunities to contribute to job accomplishments.
- Translate business requirements into technical requirements and assist other team members in implementing the solution.
- Design and implement realtime transaction refinement solutions that ensure high availability reliability and security.
- Provide architectural oversight for payment tokenization fraud scoring models and risk mitigation strategies across multiple channels.
- Collaborate with engineering product management security and compliance teams to ensure flawless integration of payment and fraud technologies.
- Lead proofofconcept (PoC) initiatives to assess new fraud detection techniques machine learning models or payment orchestration improvements.
- Optimize payment processing workflows to improve customer experience while maintaining fraud controls and cost efficiency.
- Ensure PCI compliance data encryption and secure API integrations for all payment and fraudrelated systems.
- Develop and maintain highlevel architecture diagrams user documentation and standard process guidelines for enterprisewide reference.
- Provide direct technical evaluation of thirdparty products for inclusion in TMobile solutions.
Experience Needed:
710 years of experience:
- In a business environment preferably within payments fraud prevention financial services or ecommerce. (Required)
- As a software or systems architect engineer or programmer with expertise in scalable highavailability platforms. (Required)
5 years of experience:
- In payments architecture tokenization and transaction processing including realtime authorization settlement and reconciliation workflows. (Preferred)
- In fraud prevention risk management systems and security architecture with knowledge of fraud scoring models ML driven fraud detection and chargeback management. (Preferred)
47 years of experience:
- In B2C online ecommerce systems architecture and design (Required)
- With payment orchestration gateway integrations and acquirer connections including experience with PCI DSS compliance and 3DS. (Preferred
- Using architecture and design of mobile web applications including responsive design hybrid models and secure mobile payment solutions such as Apple Pay Google Pay or QRbased payments. (Required)
- Experience with cloudbased payment processing architectures including AWS Azure GCP Kubernetes or serverless computing models. (Preferred)
Education:
- Bachelors Degree in Computer Science Information Technology or a related discipline. Advanced degrees are a plus.
Licenses and Certifications:
- Technology certifications (such as Java Microsoft Oracle AWS TOGAF or securityfocused certifications like CISSP CISM PCIISA) (Desire).
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
