Principal Architect, Payment & Fraud Systems, 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:

The Principal Systems Architect crafts scalable, secure, and high-performance payment and fraud management solutions. This role focuses on payment processing, in-house tokenization, fraud detection, and risk mitigation across e-commerce, in-store, and mobile channels. The architect defines and maintains architecture, technology standards, and best methodologies for real-time transaction processing, middleware, and databases, encompassing both in-house development and third-party integrations. They provide leadership to project teams, ensuring compliance with industry standards, regulatory requirements, and internal practices. Additionally, the architect evaluates and recommends emerging payment technologies, fraud prevention techniques, and sophisticated security measures to improve the overall platform's resilience and efficiency.

Job Responsibility:

Help define software development processes and ensure alignment to security, compliance, and scalability methodologies for payment and fraud platforms
Stay up to date with emerging payment technologies, as well as fraud detection strategies, and regulatory requirements to continuously contribute to improvement of platform capabilities
Understand the business processes on assigned projects, particularly those related to payment acceptance, transaction routing, chargebacks, and fraud prevention
Accomplish organizational goals by accepting ownership for accomplishing new and different requests
explore opportunities to contribute to job accomplishments
Translate business requirements into technical requirements and assist other team members in implementing the solution
Design and implement real-time transaction refinement solutions that ensure high availability, reliability, and security
Provide architectural oversight for payment tokenization, fraud scoring models, and risk mitigation strategies across multiple channels
Collaborate with engineering, product management, security, and compliance teams to ensure flawless integration of payment and fraud technologies
Lead proof-of-concept (PoC) initiatives to assess new fraud detection techniques, machine learning models, or payment orchestration improvements
Optimize payment processing workflows to improve customer experience while maintaining fraud controls and cost efficiency
Ensure PCI compliance, data encryption, and secure API integrations for all payment and fraud-related systems
Develop and maintain high-level architecture diagrams, user documentation, and standard practice guidelines for enterprise-wide reference
Provide direct technical evaluation of third-party products for inclusion in T-Mobile solutions

Requirements:

7-10 years of experience in a business environment, preferably within payments, fraud prevention, financial services, or e-commerce
7-10 years of experience as a software or systems architect, engineer, or programmer, with expertise in scalable, high-availability platforms
5+ years of experience in payments architecture, tokenization, and transaction processing, including real-time authorization, settlement, and reconciliation workflows
5+ years of experience in fraud prevention, risk management systems, and security architecture, with knowledge of fraud scoring models, ML driven, fraud detection, and chargeback management
4-7 years of experience in B2C online e-commerce systems architecture and design
4-7 years of experience with payment orchestration, gateway integrations, and acquirer connections, including experience with PCI DSS compliance and 3DS
4-7 years of experience using architecture and design of mobile web applications, including responsive design, hybrid models, and secure mobile payment solutions such as Apple Pay, Google Pay, or QR-based payments
4-7 years of experience with cloud-based payment processing architectures, including AWS, Azure, GCP, Kubernetes, or serverless computing models
Bachelor's Degree in Computer Science, Information Technology, or a related discipline
Technology certifications (such as Java, Microsoft, Oracle, AWS, TOGAF, or security-focused certifications like CISSP, CISM, PCI-ISA)
At least 18 years of age
Legally authorized to work in the United States

Nice to have:

Advanced degrees
Technology certifications (such as Java, Microsoft, Oracle, AWS, TOGAF, or security-focused certifications like CISSP, CISM, PCI-ISA)

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, Payment & Fraud Systems