Job Overview

Lead Architect – Cross-Border Payments & Settlement Networks

Location: Remote (Kingdom of Saudi Arabia)

Employment Type: Full-Time | Distributed Global Engineering

Experience Tier: Lead / Principal Architect

Contextual Overview

The financial ecosystem in Saudi Arabia is undergoing a structural shift toward real-time, interoperable, and globally connected payment infrastructures. This role is engineered for a systems-level architect tasked with designing and operationalizing cross-border settlement frameworks capable of handling multi-currency flows, regulatory fragmentation, and liquidity orchestration.

The successful candidate will define the backbone of next-generation payment corridors, integrating traditional rails with emerging digital settlement paradigms, ensuring both compliance and performance at scale.

Role Architecture

1. Payment Network Design & Orchestration

• Architect end-to-end cross-border payment systems, covering initiation, routing, clearing, and settlement.
• Integrate multiple rails including:
  • Correspondent banking networks
  • Instant payment systems
  • Digital asset settlement layers
• Design smart routing engines that dynamically select optimal transaction paths based on cost, latency, and liquidity.

2. Multi-Currency Liquidity Engineering

• Develop liquidity optimization frameworks supporting:
  • Nostro/Vostro account management
  • FX conversion strategies
  • Real-time liquidity rebalancing
• Implement predictive models to anticipate liquidity bottlenecks across corridors.

3. Regulatory & Compliance Infrastructure

• Embed jurisdiction-aware compliance layers addressing:
  • AML/CFT obligations
  • Transaction screening and sanctions filtering
  • Cross-border reporting requirements
• Design systems capable of real-time compliance validation without degrading performance.

4. Distributed Systems & Scalability

• Build highly available, fault-tolerant architectures using:
  • Event-driven microservices
  • Distributed ledgers (where applicable)
  • Cloud-native orchestration
• Ensure horizontal scalability to support exponential transaction growth.

Technical Competency Framework

• Deep expertise in ISO 20022 messaging standards and SWIFT integrations
• Strong experience with distributed systems and microservices architectures
• Proficiency in Java, Go, or Rust for high-performance systems
• Familiarity with blockchain-based settlement and tokenized liquidity models
• Experience with real-time data streaming platforms (Kafka, Flink)

Leadership Dimension

• Provide architectural direction across globally distributed engineering teams
• Engage with financial institutions and regulatory stakeholders
• Establish best practices for secure, scalable payment infrastructure design

Compensation Model

• Competitive global salary with cross-border incentives
• Remote-first structure with periodic Riyadh-based strategic workshops
• Long-term performance rewards tied to infrastructure adoption and scalability

Are you excited about this opportunity?

Don’t miss the chance to make a difference in the fintech and FX industry!

 Apply now by clicking on the “Apply Now” button below.

Let’s shape the future of finance together!

#EmploySolutionJobs #FXCareers.