Job Overview

Remote Executive Director of Cross-Border Digital Payments Architecture & Instant Settlement Modernization — Kingdom of Saudi Arabia (KSA)

Location: Fully Remote (Providing strategic oversight to the financial ecosystem of KSA)

Employment Type: Full-Time Executive Leadership Role

Seniority: Executive / Strategic Transformation Authority

Position Overview

This elite executive role commands the architectural modernization of cross-border digital payments, liquidity intelligence systems, real-time settlement frameworks, and institutional digital wallet interoperability across Saudi Arabia’s rapidly advancing fintech terrain. The position aligns macro-level innovation with micro-level infrastructure fidelity, ensuring scalability, system resilience, regulatory harmony, and seamless merchant ecosystem adoption.

Strategic Leadership Mandate

• Set the national direction for cross-border settlement modernization using multi-rail orchestration (card, account-to-account, tokenized corridor layers).

• Govern the architectural integration of ISO 20022 enriched messages into reconciliation automation, merchant reporting pipelines, FX conversion windows, and liquidity allocation.

• Lead stakeholder councils bridging digital wallet issuers, acquirers, BIN sponsors, central bank policy advisors, and foreign corridor partners.

Core Functional Responsibilities

• Architect real-time payment systems with 24/7 Ops, dynamic per-transaction risk scoring, enriched metadata tagging, and granular consent controls.

• Define settlement window compression strategies to elevate liquidity velocity while safeguarding regulatory thresholds and cross-border AML postures.

• Introduce tokenized settlement proof layers leveraging enterprise blockchain consensus (IBFT variants, Byzantine-resilient state replication).

• Develop merchant acquiring innovation via risk-tiered interchange models, soft-POS enablement frameworks, dynamic currency conversion logic, and Apple-Pay/Google-Pay orchestration.

• Implement multi-model fraud analytics using real-time graph intelligence, behavioral anomaly engines, and device telemetry risk geometries.

• Coordinate cybersecurity layers including hardware-anchored key generation, time-boxed credential validity, adaptive transaction velocity ceilings, and dynamic token replay prevention.

Regulatory Alignment & Governance

• Interface with payment oversight committees governing instant payment adoption acceleration.

• Author compliance matrices addressing AML velocity triggers, KYC segmentation heuristics, and cross-jurisdiction transaction provenance.

Technology Stack Expectations

• Service mesh-enabled microservices (sidecar policy enforcement, multi-cluster routing).

• Event streaming engines (Kafka + schema registries + low-latency ETL).

• Observability stacks (distributed tracing, SELinux-enforced container hardening).

Qualifications

• 12+ years in digital payments, merchant acquiring, or cross-border settlement engineering.

• Master’s in Computer Engineering, Monetary Economics, or equivalent specialization.

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