Open Banking Principal Architect

Memphis, TN - USA

Monthly Salary: Not Disclosed

Posted on: 4 hours ago

Vacancies: 1 Vacancy

Job Summary

Open Banking Principal Architect

Location: Memphis (TN) Charlotte (NC) Raleigh (NC) or Birmingham Alabama. (Remote also fine)

Fulltime

preferred local

Role Overview

We are seeking an Open Banking Principal Architect to lead the enterprise architecture strategy governance and delivery of next-generation digital capabilities. This role will own the technology roadmap for Open Banking enablement (provider and consumer models) real-time data-sharing frameworks and secure API ecosystems. The Principal Architect will guide solution teams across mobile web integration security and cloud ensuring security-first design data privacy and regulatory compliance while balancing platform stability and modernization.

Required Skills & Experience

12 20 years of experience in technology architecture with strong experience in banking Open Banking or financial services.

Deep expertise in Open Banking standards: FDX data-sharing frameworks consent architecture customer identity.

Strong experience building API ecosystems using Java/Spring Boot API gateways and API management platforms.

Ability to architect solutions on modern cloud platforms (Azure AKS AWS EKS or similar).

Experience with Apigee or similar integration modernization platforms.

Broad knowledge of identity fraud cybersecurity compliance and risk controls.

Experience with Kafka streaming event-driven architecture and real-time data processing.

Proven track record architecting major technology transformation programs.

Strong executive communication and business-case development skills.

Skill Matrix - Open Banking Principal Architect

Programming - Must Have: Java (advanced) Spring Boot (3.x reactive patterns) API design; Good to Have:

Open Banking Standards - Must Have: FDX (hands-on) Digital Banking APIs; Good to Have: BIAN ISO 20022 PSD2

Open Banking Platforms - Must Have: Ninth Wave (hands-on/exposure); Good to Have: Plaid Tink MX Finicity

IDP & Security - Must Have: OAuth2.0 OIDC mTLS with Okta/Ping/Azure AD/ForgeRock; Good to Have: Advanced tokenization and FPE

Consent Management - Must Have: Consent & data sharing flows; Good to Have: GDPR/CCPA preference management

Data Security - Must Have: Mandatory data masking logging compliance secure coding practices; Good to Have: Tokenization format-preserving encryption (FPE)

Cloud & Deployment - Must Have: Docker Kubernetes Azure AKS; Good to Have: AWS EKS GCP GKE

Ingress & API Gateway - Must Have: NGINX ingress controller Azure API Management; Good to Have: Apigee MuleSoft Kong

Event Streaming - Must Have: Kafka (producer/consumer schema registry); Good to Have: MQ Pulsar

AI/Automation - Must Have: AI tools for development testing and code review; Good to Have: Prompt engineering AI-assisted documentation

Testing - Must Have: Unit testing (JUnit Mockito) functional automation testing; Good to Have: Cucumber Karate Postman automation

Code Quality & Security - Must Have: SonarQube Veracode static analysis secure coding practices; Good to Have: Checkmarx Fortify

CI/CD & DevOps - Must Have: Jenkins Bitbucket Pipelines Azure DevOps; Good to Have: GitHub Actions GitLab CI/CD

Domain Knowledge - Must Have: Banking / Financial Services; Good to Have: Insurance FinTech startups

Soft Skills - Must Have: Strong communication mentoring technical leadership; Good to Have: Client-facing presentation skills

Open Banking Principal Architect Location: Memphis (TN) Charlotte (NC) Raleigh (NC) or Birmingham Alabama. (Remote also fine) Fulltime preferred local Role Overview We are seeking an Open Banking Principal Architect to lead the enterprise architecture strategy governance and delivery of next-generat...