Job Overview
Principal Digital Payments & Financial Infrastructure Architect – Saudi Arabia (GCC)
Format Style: Executive white-paper / institutional mandate
Role Mandate Overview
This remote mandate seeks a senior-level fintech architect to design, rationalize, and scale next-generation digital payments infrastructure and financial transaction frameworks serving complex, high-volume GCC markets. The role operates at the intersection of payment orchestration, real-time settlement systems, digital wallets, API-first banking platforms, and cross-border transaction intelligence.
Operating remotely while deeply aligned with the Saudi financial ecosystem, the successful candidate will function as a systemic architect, not an implementer—someone capable of shaping payment ecosystems at a national and regional scale while remaining independent of any single institution.
Strategic Responsibilities
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Architect large-scale, interoperable payment rails spanning card-based, account-to-account, QR-based, and tokenized transaction models.
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Design fault-tolerant real-time clearing and settlement architectures, incorporating liquidity optimization and transaction finality principles.
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Develop advanced payment routing intelligence using rule engines, AI-assisted fraud detection, and transaction risk scoring.
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Lead architectural governance for API monetization, payment abstraction layers, and micro-service orchestration.
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Translate evolving GCC regulatory frameworks into system-level controls, reporting logic, and compliance-embedded architecture.
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Serve as a remote thought partner for senior stakeholders, regulators, and ecosystem participants.
Technical & Domain Expertise
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Deep mastery of payment gateways, ISO 20022 messaging, tokenization, and transaction lifecycle management.
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Proven experience designing high-availability financial systems processing millions of daily transactions.
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Strong command of cloud-native infrastructure, event-driven systems, and cryptographic security models.
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Advanced understanding of financial crime prevention, AML transaction monitoring logic, and payment risk analytics.
Professional Profile
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12+ years in fintech, payments architecture, or large-scale financial systems design.
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Prior exposure to GCC or emerging-market payment ecosystems.
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Ability to operate autonomously in a remote, high-trust executive environment.
Engagement Model
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Fully remote, GCC-aligned working cadence.
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Executive-level compensation benchmarked to global fintech architecture roles.
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Long-term mandate with strategic influence rather than operational micromanagement.
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