Position Overview

At PNC our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected valued and have an opportunity to contribute to the companys success. As a Software Architect Sr within PNCs C&IB Payments organization you will be based in Pittsburgh PA or Dallas TX.

Position Overview
The Payments Software Architect Sr is responsible for defining governing and guiding the end-to-end solution architecture for assigned Payments capabilities and platforms at PNC. This role operates as part of the Payments Solution Design & Engineering organization and works horizontally across multiple agile delivery teams to ensure solution designs are aligned with the Payments target-state architecture enterprise standards and regulatory requirements.

The Software Engineer Expert reports into the Director Payments Solution Design & Engineering and partners closely with engineering product risk and business stakeholders to translate complex Payments domain requirements into scalable resilient and secure technical solutions.

Key Responsibilities
Solution Architecture & Design
Define and own end-to-end solution architecture for assigned Payments capabilities platforms or value streams under the guidance of the Payments design authority.
Develop solution designs that align with the Payments target-state architecture enterprise technology standards and architectural guardrails established by the Director.
Lead solution design activities including architecture diagrams design specifications integration models and non-functional requirements.
Ensure architectural consistency across multiple agile delivery teams and initiatives.

Agile Delivery Enablement
Act as the embedded architectural lead across agile delivery teams while maintaining alignment to centralized Payments architecture standards.
Provide hands-on guidance to engineering teams during design build testing and deployment phases.
Participate in sprint planning design sessions and technical reviews to ensure architecture is implemented as intended.
Identify and proactively escalate cross-team dependencies and architectural risks to the Director as needed.

Payments Domain & Industry Expertise
Apply deep Payments domain knowledge to solution designs ensuring they reflect real-world payment flows and operational realities.
Design solutions across Payments capabilities including (but not limited to):
oCore payment processing and clearing
oPayment orchestration routing and workflow
oReal-time batch and high-value payments
oIntegration with external networks vendors and fintech partners
oData reporting reconciliation and operational controls
Incorporate funding liquidity settlement timing exception handling and resiliency considerations into solution designs.

Architecture Governance & Standards
Ensure solution designs comply with Payments and enterprise architecture principles standards and patterns.
Participate in architecture design reviews trade-off discussions and exception processes led by the Payments design authority.
Partner with the Director and peer Solution Architects to resolve complex design decisions.
Contribute to the evolution of Payments reference architectures patterns and best practices.
Risk Security & Compliance
Ensure all solution designs adhere to PNC policies for information security resiliency data protection and operational risk.
Partner with Risk Security and Compliance teams to identify and mitigate technology and architectural risks.
Ensure regulatory scheme and network rules are appropriately reflected in solution designs.
Collaboration & Thought Leadership
Serve as a trusted technical advisor to engineering product and business partners.
Clearly communicate architectural decisions trade-offs and impacts to technical and non-technical stakeholders.
Contribute to architectural knowledge sharing and continuous improvement across the Payments organization.

Required Technical Skills
Strong expertise in enterprise solution architecture for large-scale highly available systems.
Hands-on experience with modern architecture patterns including:
oEvent-driven and asynchronous architectures
oAPI-first and service-oriented design
oMicroservices and domain-driven design (DDD)
oHigh-availability active-active and resilient system designs
Experience designing solutions across hybrid environments (on-prem and cloud).
Strong understanding of data architecture concepts including transactional processing reconciliation operational reporting and analytics.
Experience integrating vendor platforms and third-party products into enterprise ecosystems.

Payments Industry Product & Network Expertise
Working knowledge of payment networks schemes and rails such as:
oACH
oWire payments (e.g. Fedwire CHIPS)
oReal-Time Payments (RTP) and instant payments
oSWIFT and international payments
Understanding of industry standards and messaging formats (e.g. ISO 20022) and their architectural implications.
Experience working with payment engines orchestration platforms clearing systems and supporting operational tooling.


Payments Domain Knowledge
Strong understanding of how payment systems operate in practice including:
oEnd-to-end payment lifecycle and settlement models
oFunding liquidity and cut-off timing considerations
oRisk exposures exception handling and recovery scenarios
oOperational resiliency business continuity and disaster recovery
oRegulatory and compliance considerations impacting Payments technology
Ability to translate complex Payments domain requirements into scalable maintainable and secure technical designs.


Required Skills & Experience
12 years of experience in solution architecture engineering or technical leadership roles within financial services.
Proven experience designing and delivering complex Payments or transaction processing systems.
Strong understanding of agile delivery models and how to effectively embed architecture within them.
Ability to influence without authority and collaborate across engineering product and risk partners.
Strong communication skills with the ability to articulate complex technical concepts clearly.

Preferred Qualifications
Experience supporting large-scale Payments modernization or transformation initiatives.
Prior experience operating within an architecture governance or design authority model.
Strong executive presence and comfort engaging with senior technology and business leaders.

PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

• Leads in the overall design of cross-functional multi-platform and Web-based application systems; oversees all application system processes.
• Develops application architecture and blueprints aimed at reflecting enterprise business logic.
• Defines application components platforms interfaces and development tools. Directs mapping activities on specific technology platforms.
• Provides technical guidance to application development teams. Consults on integration and conversion activities.
• Conducts reviews and analyses organizational needs and goals to develop and implement applications.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNCs Enterprise Risk Management Framework.

Qualifications

Successful candidates must demonstrate appropriate knowledge skills and abilities for a role. Listed below are skills competencies work experience education and required certifications/licensures needed to be successful in this position.

Preferred Skills

Competitive Advantages Customer Solutions Design End to End Business Process Enterprise Architecture Framework Event Driven Architecture (EDA) Machine Learning (ML) Microservices Architecture Risk Assessments Technical Knowledge

Competencies

Analytical Thinking Application Development Tools Industry Knowledge IT Architecture Platform Architecture Products and Services Service Oriented Architecture Technologies Software Process Improvement (SPI)

Work Experience

Roles at this level typically require a university / college degree. Higher level education such as a Masters degree PhD or certifications is desirable. Industry relevant experience is typically 8 years. Specific certifications are often lieu of a degree a comparable combination of education job specific certification(s) and experience (including military service) may be considered.

Education

Bachelors

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Benefits

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature) dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption surrogacy and doula reimbursement; educational assistance including select programs fully paid; a robust wellness program with financial incentives.

In addition PNC generally provides the following paid time off depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year unless otherwise required by law; between 15 to 25 vacation days each year depending on career level; and years of service.

To learn more about these and other programs including benefits for full time and part-time employees visit.

Disability Accommodations Statement

If an accommodation is required to participate in the application process please contact us via email at . Please include accommodation request in the subject line title and be sure to include your name the job ID and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call and say Workday for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity (EEO)

PNC provides equal employment opportunity to qualified persons regardless of race color sex religion national origin age sexual orientation gender identity disability veteran status or other categories protected by law.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and for any registered role the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA) which prohibit the hiring of individuals with certain criminal history.

California Residents

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