Payments and Merchant Tech Architect

Bank of America

Bank of America

Chandler, AZ, USA · Atlanta, GA, USA · United States · Remote
Posted on Friday, May 10, 2024

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

Job Description:

This job is responsible for defining an architectural vision and solution aligned to the enterprise architecture strategy, technology, and platform choices. Key responsibilities include describing the solution intent/associated operating environment, evaluating system impacts, determining the primary systems/sub-systems and their interfaces, and assisting with end-to-end solution design. Job expectations include defining non-functional requirements/architectural runway to support new epics/features and ensuring solutions are fit for purpose by working with stakeholders and service providers.

  • Provide the Consumer and Small Business solutions architecture team with proven delivery on innovations within the Payment and Merchant Technology space.
  • Deliver Omni-channel solutions within across traditional payment networks and trending payment networks including virtual wallets and merchant services.
  • Serve as a Senior Leader in architecture strategy, solutions and delivery.
  • Enterprise role description: Participates in design, development and implementation of architectural deliverables, to include components of the assessment and optimization of system design and review of user requirements.
  • Contributes to the determination of technical and operational feasibility of solutions.
  • Develops prototypes of the system design and works with database, operations, technical support and other IT areas as appropriate throughout development and implementation processes.
  • May lead multiple projects with competing deadlines.
  • Serves as a fully seasoned/proficient technical resource; provides tech knowledge and capabilities as team member and individual contributor.
  • Will not have direct reports but will influence and direct activities of a team related to special initiatives or operations, as well as mentor newer Architects.
  • Provides input on staffing, budget and personnel.

Required Qualifications:

  • Effective Communication skills
  • Demonstrated ability to document processes and platform architecture into sustainable documents
  • Plan, develop, organize, build and test service and API integration services
  • Research, develop and document technical design specifications and test scripts
  • Maintain a comprehensive library of technical terminology and documentation
  • Strong use of visuals skills, ability to convene points with graphics and illustrations
  • Strong attention to detail
  • 8+ years financial services industry experience
  • 2+ years Digital & Physical payment implementation experience
  • 3+ years Previous Bank of America Experience
  • 2+ years Proven experience in delivery innovated and newer trends in payments / financial networks - specific examples required
  • Knowledge of Payments data/object/service models
  • Knowledge of HSMs and security models
  • Knowledge of network integration with 3rd party networks including ACH, ATM, RTP, and Card Networks

Desired Qualifications:

  • 5+ years experience in integration services programming and Architecture
  • Bachelors in Computer Science, Communications, or Operations Proven experience working in a application programming position
  • Ability to write in explanatory and procedural styles for multiple audiences
  • Ability to simplify complex information
  • Familiarity with financial services and payments and payment processing
  • Working in large organizations and understanding of the culture these large organizations bring


  • Consults with the business and operations to identify and understand challenges and opportunities to improve the use and effectiveness of technology, find creative solutions through knowledge of the domain, practical experiments, and Proof of Concepts, and aligns the solution intent and architectural vision to an evolving backlog of technology change
  • Works with product management and other stakeholders to plan and prioritize technology focused backlog items for the architecture runway to enable business epics/features
  • Performs design and code reviews to ensure all non-functional requirements for a solution are sufficiently met (for example, security, performance, maintainability, scalability, usability, and reliability)
  • Leads rapid shaping of a high level architecture with details filled in with emerging business requirements and ensures architecture is flexible, modular, and designed to adapt easily
  • Educates team members on the technology practices, standardization strategies, and best practices to create innovative solutions
  • Clarifies the architecture and assists with system design for the development teams to support implementation and provides solution options to resolve any architectural impediments
  • Utilizes the defined best practices, templates, and documentation to create architectural designs and suggests improvements to best practices and templates


  • Analytical Thinking
  • Architecture
  • Result Orientation
  • Solution Design
  • Technical Strategy Development
  • Application Development
  • Collaboration
  • Data Management
  • DevOps Practices
  • Risk Management
  • Agile Practices
  • Automation
  • Influence
  • Solution Delivery Process
  • Test Engineering

Minimum Education Requirement: Null


1st shift (United States of America)

Hours Per Week: