Job Description

Position: Solution Architect

Location: Charlotte, NC

Job Type: 3 Months Contract to Permanent (Fulltime)

Job Description:

As a solutions architect specializing in digital banking and API banking, you will play a pivotal role in designing and implementing technology solutions that drive the transformation of our banking services into the digital age. You will collaborate with cross-functional teams, analyze business requirements, and design scalable, secure, and innovative architectures that enhance customer experiences and support our strategic goals.

Responsibilities:

• Collaborate closely with business stakeholders to understand their digital banking, open banking & BaaS requirements, objectives, and strategic goals.
• Collaborate with Architecture COP (Center of Practice) to produce total coverage and architecture delivery for the bank.
• Create comprehensive architectural designs and blueprints for digital banking, open banking & BaaS solutions that (a) align with business needs and objectives (b) align with Architecture COP standards and formats.
• Ensure the solutions are scalable, secure, resilient, and cost-effective.
• Assess and recommend appropriate technologies, platforms, and tools to support digital banking and open banking initiatives, considering factors like security, compliance, and interoperability.
• Implement robust security measures and best practices to protect customer data, transactions, and financial assets.
• Develop and oversee API strategies to facilitate integration with third-party fintech providers, partners, and internal banking systems.
• Implement API management and monetization solutions.
• Create and maintain detailed technical documentation, including architecture diagrams, API specifications, and system documentation, to support development and compliance efforts.
• Act as a liaison between technical and non-technical stakeholders.
• Assist in identifying and resolving technical issues and challenges that may arise during the development, deployment, or operation of digital and API banking systems.
• Participate in incident response and recovery efforts as needed.
• Evaluate and manage relationships with third-party vendors, fintech partners, and technology providers whose solutions are integrated into the digital and API banking ecosystem.

Required Skills:

• API Integrations with Third-Party Applications (Intuit, QuickBooks, etc.)
• The project involves connecting enterprise applications with financial and accounting software.
• Use cases: syncing financial transactions, automating invoicing, reconciling payments, or extracting financial reports from QuickBooks.
• Technologies: Java, REST APIs, Webhooks, OAuth for authentication, and IBM Middleware (WPS, WESB, DataPower) for integration.
• OFX Experience or Similar Payment Services Platform Experience
• As you know, OFX (Open Financial Exchange) is a standard used for electronic banking and financial transactions.
• Experience in similar payment platforms means working with financial data formats, bank feeds, transaction processing, and reconciliation.
• Use cases: fetching bank transactions, initiating payments, and integrating with payment gateways.
• Technologies: OFX, ISO 20022, ACH, SWIFT, or APIs for payment platforms like Stripe, PayPal, or Plaid.
• Experience with Azure Cloud

Additional skills/Qualifications

• A bachelor's degree in a related field like computer science, information technology, or finance.
• 5+ years of proven work experience as a Solution Architect/Senior Developer or similar role.
• Deep understanding of the banking industry, including knowledge of banking products and services, regulatory requirements, and compliance standards.
• Familiarity with digital banking trends and open banking frameworks.
• Strong technical background in software development, system architecture and cloud computing.
• Proficiency in microservices, API management & monetization.
• Experience with security protocols and practices.
• Knowledge of database systems, data modeling, and data integration.
• Knowledge of real-time data processing and event streaming platforms
• Strong interpersonal and communication skills to collaborate effectively with various stakeholders, including business leaders, developers, and third-party vendors.
• Ability to work effectively in cross-functional teams and lead technical discussions.

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