Job Overview
Lead Architect – Digital Payment Networks & Settlement Systems
Location: Remote – Saudi Arabia
Overview
This role seeks a senior fintech professional with extensive expertise in cross-border payment systems, clearing infrastructures, and financial network interoperability. The position is fully remote and focuses on architecting resilient, high-volume digital payment ecosystems across domestic and international environments.
The successful candidate will act as a strategic systems architect, ensuring that payments function as secure, reliable, and scalable financial infrastructure, with long-term alignment to regulatory and market standards.
Strategic Objectives
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Architect high-throughput digital payment systems supporting domestic and cross-border transactions.
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Define clearing and settlement models emphasizing real-time and near-real-time operations.
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Develop interoperability standards for connecting fintech platforms, banks, and alternative payment rails.
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Implement risk mitigation frameworks to address settlement delays, liquidity bottlenecks, and operational exposure.
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Integrate regulatory requirements into system design to ensure full compliance with GCC and international standards.
Primary Responsibilities
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Design end-to-end payment flow architectures, including clearing, settlement, and reconciliation processes.
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Produce comprehensive technical and strategic documentation for executive stakeholders and regulators.
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Evaluate emerging payment technologies, tokenized assets, and embedded finance solutions for scalability and systemic impact.
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Collaborate with cross-functional teams to ensure infrastructure alignment with market needs.
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Advise on resilience, redundancy, and business continuity planning at the system level.
Professional Requirements
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12+ years in payments infrastructure, banking operations, or fintech systems architecture.
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Deep conceptual understanding of transaction life cycles, settlement finality, and liquidity optimization.
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Experience in translating regulatory and compliance frameworks into system design.
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Demonstrated ability to produce long-form architectural and strategic documentation for executive audiences.
Engagement Model
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Fully remote with global collaboration.
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Performance measured by systemic coherence, resilience, and alignment with long-term financial infrastructure goals.
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High autonomy, suitable for strategic leadership professionals.
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