Principal Remote Architect – Digital Payments (Clearing & Embedded Finance)

Job Overview

Principal Remote Architect – Digital Payments (Clearing & Embedded Finance)

(Dubai, UAE | GCC-Wide Remote)

Role Overview

This role is designed for a senior-level fintech architect operating at the intersection of real-time payments infrastructure, embedded finance ecosystems, and cross-border settlement orchestration. The position is fully remote, with strategic alignment to Dubai’s advanced digital finance environment, while servicing multi-jurisdictional GCC payment corridors.

You will act as a foundational architect, responsible for designing next-generation payment rails that integrate merchant acquiring, digital wallets, API-driven banking layers, and programmable settlement logic across regional and international networks.

Core Mandate & Strategic Responsibilities

• Architect scalable real-time payment ecosystems, supporting high-volume transaction throughput, low-latency settlement, and multi-currency reconciliation.

• Design embedded finance frameworks enabling non-financial platforms to integrate payments, lending, escrow, and value-added financial services via modular APIs.

• Lead the conceptualization of payment orchestration layers connecting card schemes, instant payment networks, digital wallets, and alternative rails.

• Develop end-to-end clearing and settlement models, including netting logic, liquidity optimization, and treasury visibility.

• Define governance structures for transaction monitoring, fraud prevention, AML automation, and compliance-by-design architectures.

• Collaborate remotely with distributed engineering, product, and regulatory advisory teams across GCC markets.

• Translate regulatory requirements into technical control frameworks without compromising system performance or scalability.

Technical & Professional Requirements

• 10+ years in fintech, payments architecture, or large-scale financial systems engineering.

• Deep expertise in payment gateways, acquiring systems, ISO 8583/ISO 20022 messaging, and API-first platforms.

• Strong understanding of GCC payment regulations, regional clearing systems, and cross-border settlement constraints.

• Proven ability to design cloud-native, event-driven financial systems (microservices, message queues, real-time processing).

• Experience with tokenization, transaction routing intelligence, and smart reconciliation engines.

• Advanced stakeholder communication skills, capable of engaging both technical and regulatory audiences.

Compensation & Engagement Structure

• Monthly Range: USD 14,000 – 20,000 (remote consultancy or long-term engagement)

• Performance-linked incentives tied to platform scalability, uptime, and transaction efficiency

• Flexible remote structure with optional GCC-based strategic sessions

Are you excited about this opportunity?

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