Principal Architect, FinTech Platforms, T-Mobile

T-Mobile

Location:

United States, Bellevue ▼

Atlanta

Category:

IT - Software Development

Contract Type:

Employment contract

Salary:

123800.00 - 223300.00 USD / Year

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Job Description:

As the Principal Systems Architect, you will lead the design of scalable, secure, and high-impact consumer fintech platforms that power digital banking experiences, co-branded credit cards, embedded finance, and personalized financial tools. This role is central to T-Mobile’s broader fintech strategy, connecting millions of customers to smarter, flawless ways to manage and access money—across mobile, web, and in-store channels.

Job Responsibility:

Architect consumer-facing financial solutions including digital bank accounts, savings and checking tools, co-branded credit card products, and embedded finance capabilities
Define and maintain architectural standards for integration with BaaS providers, card issuers/processors, KYC/AML vendors, and payment networks
Collaborate with product managers, UX designers, and engineers to build intuitive and secure financial experiences for mobile-first consumers
Lead technology evaluations for third-party fintech partners covering card issuance, core banking platforms, data aggregation, and personal finance management
Ensure secure architecture and data design for customer onboarding, credit decisioning, account servicing, and financial transactions
Champion privacy, data protection, and regulatory compliance across consumer facing FinTech platforms
Implement scalable API architectures for money movement, card management, account funding, and transaction data enrichment
Provide architectural oversight for loyalty integrations, rewards platforms, and customer engagement engines tied to credit and banking products
Lead proof-of-concept initiatives to test emerging fintech capabilities
Maintain system documentation, architecture blueprints, and technical standards to guide development and cross-team partnerships
Act as a strategic advisor on Fin Tech trends and platform roadmaps

Requirements:

7-10 years of experience in financial services, FinTech, or digital banking environments with customer-facing product delivery
7-10 years of experience in enterprise systems architecture, software engineering, or infrastructure design at scale
5+ years of experience crafting or integrating consumer banking platforms, credit card issuance systems, or BaaS platforms
5+ years of experience working with KYC/AML vendors, fraud prevention tools, or financial data aggregators
4-7 years of experience in mobile and web application architecture for financial products
4-7 years of experience crafting compliant FinTech systems within the framework of PCI DSS, SOC 2, and other regulatory obligations
4-7 years of experience with cloud-native development, containerization, and API-first ecosystems
Bachelor’s Degree in Computer Science, Engineering, or a related field
Certifications such as AWS Architect, TOGAF, CISSP, or fintech/banking-specific credentials are desirable
At least 18 years of age
Legally authorized to work in the United States

Nice to have:

Advanced degrees or business/fintech certifications
Certifications such as AWS Architect, TOGAF, CISSP, or fintech/banking-specific credentials

What we offer:

Competitive base salary and compensation package
Annual stock grant
Employee stock purchase plan
401(k)
Access to free, year-round money coaches
Medical, dental and vision insurance
Flexible spending account
Paid time off
Up to 12 paid holidays
Paid parental and family leave
Family building benefits
Back-up care
Enhanced family support
Childcare subsidy
Tuition assistance
College coaching
Short- and long-term disability
Voluntary AD&D coverage
Voluntary accident coverage
Voluntary life insurance
Voluntary disability insurance
Voluntary long-term care insurance
Mobile service & home internet discounts
Pet insurance
Access to commuter and transit programs

Additional Information:

Job Posted:

April 05, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Principal Architect, FinTech Platforms