Senior Solutions Architect – Global Payments Platforms

Senior payments architect responsible for designing and evolving a multi-country, multi-rail payments and credit platform, providing technical leadership and defining target-state architecture.

Location: Colombia

Responsibilities

• Define multi-acquirer and multi-region connectivity strategy (US, EU, LATAM)
• Evaluate PSP vs. traditional acquiring vs. hybrid models
• Establish tokenization strategy (network tokens, processor tokens, vault ownership)
• Architect an orchestration layer with intelligent routing, soft-decline retry, SCA exemption management, and failover strategies
• Build an abstraction layer to onboard new countries or acquirers
• Support non-standard rails: fuel cards, fleet cards, specialized billing instruments
• Lead PSD2 / SCA / 3DS 2.x architecture
• Implement stored credential frameworks and MIT handling
• Optimize PCI DSS scope; maintain Visa and Mastercard scheme alignment
• Architect fuel card integrations and the full direct bill lifecycle (approval → billing → collections → settlement)
• Support blended payment models (card + invoice + ACH) and post-service adjustments
• Partner with Treasury on settlement, reconciliation, and FX strategy
• Lead vendor evaluations (Elavon, Adyen, Stripe, orchestration providers)
• Define KPIs: auth rates, decline recovery, SCA success, cost per transaction

Requirements

• 10+ years in payments architecture, fintech, or financial infrastructure
• Experience with a traditional acquirer (Elavon, Fiserv, Worldpay), global PSP (Stripe, Adyen), or in-house gateway build
• Deep knowledge of CP/CNP flows, SCA/3DS 2.x, stored credentials, MIT, and multi-MID cross-border setups
• Hands-on with ACH, RTP, SEPA, or direct debit rails
• Proficiency in API-driven and event-driven architectures, idempotency/retry design, and microservices-based routing
• Experience designing high-availability systems for 24/7 operations
• Cloud-native deployment experience (AWS and/or Azure)
• Advanced English — written and verbal

Benefits

• Competitive base
• Comprehensive benefits and wellness support
• Flexible work model: hybrid, remote, or in-office
• Real growth opportunities and leadership visibility
• Inclusive, respectful culture that blends U.S. innovation with Colombian heart
• A company that listens, invests in you, and celebrates wins together