Director of CBDC-Enabled Financial Infrastructure – Advanced Tokenization, Payment Rails & Digital Identity

Job Overview

Remote Director of CBDC-Enabled Financial Infrastructure – Advanced Tokenization, Payment Rails & Digital Identity (Saudi Arabia Focus)

Location: Remote (preferably based in the GCC or with significant knowledge of the Saudi Arabian financial system)

Sector: Fintech – CBDCs, Tokenized Settlement Infrastructure, Smart Payment Rails, Digital Identity

Employment Type: Full-Time, Remote

Primary Region: Saudi Arabia (cross-border capability in GCC+Asia)

Languages: English (Arabic a strong advantage)

Position Summary:

We are seeking a visionary, technically proficient Director of CBDC-Enabled Financial Infrastructure to lead the design and execution of Saudi Arabia’s next-generation digital financial architecture. This role sits at the convergence of blockchain-based interbank settlements, real-time programmable payments, and sovereign digital identity infrastructures—all aligned with SAMA’s Project Aber and Saudi Arabia’s Vision 2030 transformation.

This is a remote-first opportunity for an executive-caliber fintech technologist and policy strategist with the ambition to reshape how domestic and cross-border value flows are managed in one of the most strategically significant economies in the Gulf.

Core Responsibilities:

🌐 CBDC & Tokenized Infrastructure Architecture

• Design and lead technical blueprints for CBDC-compatible payment rails aligned with Project Aber and mBridge, ensuring interoperability with global wholesale and retail settlement layers.

• Develop multi-asset tokenization frameworks for central bank digital currency, digital Sukuk, tokenized deposits, and high-frequency liquidity instruments.

• Integrate blockchain-based smart contract engines for real-time programmable payments (pay-on-receipt, escrow triggers, FX hedging, auto-taxation).

🧾 Digital Identity & Cross-Sectoral KYC

• Architect a reusable digital identity layer (built atop Nafath and Absher) that serves as a trust anchor for financial institutions, fintechs, and e-commerce platforms.

• Enable decentralized KYC/AML verification across institutional, SME, and retail entities using zero-knowledge proofs and DID (decentralized identity) protocols.

🏦 Regulatory Harmonization & Financial Governance

• Interface with the Saudi Central Bank (SAMA), Capital Market Authority (CMA), and Digital Government Authority (DGA) to ensure full compliance with evolving frameworks for digital assets, e-money, and data sovereignty.

• Lead policy-technology co-design with public agencies to ensure trust, accountability, and resilience in programmable monetary systems.

📉 Monetary Strategy & Real-Time Settlement

• Develop algorithms to simulate monetary flows, velocity of CBDC, and liquidity absorption across multiple tiers of the banking system.

• Enable cross-border instant settlements with selective visibility, exchange rate integration, and audit-traceable logging in alignment with FATF guidelines.

📊 Sandbox Pilots & Open Architecture Engagement

• Launch pilot programs in partnership with banks, telcos, and fintech sandboxes to simulate usage across different population segments.

• Provide APIs and open development kits for third-party builders to develop compliant use-cases (pension disbursement, trade finance, Islamic microfinance).

Candidate Profile:

• 10+ years in advanced fintech infrastructure, central bank engagement, or digital asset technology.

• Strong understanding of monetary theory, digital currency protocols, tokenization, and regulated payments systems.

• Expertise in blockchain, smart contracts, cryptographic key management, or ISO 20022 integration.

• Deep familiarity with Saudi Arabia’s evolving digital financial ecosystem, Vision 2030, and SAMA’s technology trajectory.

• Arabic fluency is highly desirable but not mandatory.

Are you excited about this opportunity?

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