Remote Enterprise Solutions Architect (Banking)

We are seeking an Enterprise Solutions Architect to lead solution and enterprise architecture for large-scale banking programs. The role will define target architectures, design secure and scalable payment and core banking solutions, drive technology decisions and standards, and coordinate cross-functional teams to modernize legacy systems while ensuring regulatory compliance and high availability. The ideal candidate combines deep banking domain knowledge with hands-on experience across cloud, APIs, payments (SWIFT, SEPA, ACH), ISO 20022, security, and integration technologies.Key ResponsibilitiesDefine and communicate enterprise and solution architecture roadmaps aligned to business strategy, regulatory requirements and TOGAF principlesDesign end-to-end payment and core banking solutions including ISO 20022 migrations, SWIFT/SEPA/ACH integration, tokenization, and fraud detection systemsLead API and integration architecture: REST/GraphQL/SOAP, OpenAPI, API Gateway, MuleSoft/Apigee/wSO2, and message middleware (Kafka, RabbitMQ, IBM MQ)Specify cloud architecture and migration strategies across AWS, Azure and GCP, including container orchestration (Kubernetes, Docker), infrastructure-as-code (Terraform, CloudFormation, Ansible) and CI/CD pipelinesDrive identity and access management and cryptography standards: OAuth2, OpenID Connect, SAML, HSM, PKI, TLS/Encryption and PCI-DSS/GDPR controlsArchitect data solutions: data modeling, ETL, event-driven architectures, CDC, Kafka, NoSQL/SQL (Oracle, PostgreSQL, MySQL, Cassandra, MongoDB) and observability (Prometheus, ELK, Splunk, Datadog)Lead legacy modernization and mainframe integration efforts (COBOL, CICS), define migration approaches (strangling, replatforming, refactoring) and ensure business continuity and disaster recovery planningCollaborate with engineering, security, operations and business stakeholders to create designs, proof-of-concepts, and high-quality solution documentation (UML, DDD patterns, BIAN)Establish non-functional requirements and drive performance tuning, scalability, high availability, load balancing and SOX/compliance readinessMentor architects and engineers, enforce architecture governance, participate in solution reviews and support RFPs and vendor evaluationsQualificationsBachelor's or Master's degree in Computer Science, Engineering, Information Systems or equivalent experience10+ years designing enterprise solutions in banking or financial services with proven experience on payments, core banking and ISO 20022 projectsDeep technical expertise in API design (REST, GraphQL, SOAP), OpenAPI, API gateways and integration platforms (MuleSoft, Apigee, wSO2)Strong cloud architecture experience across AWS, Azure or GCP and hands-on with Kubernetes, Docker, Terraform, CloudFormation and CI/CD toolingProven knowledge of security, identity and encryption technologies including OAuth2, OpenID Connect, SAML, HSM, PKI, TLS and PCI-DSS/GDPR complianceExperience with messaging and streaming technologies (Kafka, RabbitMQ, IBM MQ), ETL, event-driven architecture, CQRS/Event Sourcing and data modelingFamiliarity with payment systems (SWIFT, SEPA, ACH), fraud detection, tokenization and AML/KYC integration patternsExperience modernizing legacy/mainframe environments (COBOL, CICS) and integrating core banking systems, with strong disaster recovery and business continuity planning skillsHands-on programming experience in Java, Spring Boot, .NET/C#, Python and SQL; working knowledge of tools such as Splunk, Prometheus, ELK, Datadog and z/OS monitoringStrong communication and stakeholder management skills, ability to produce architecture artifacts (UML) and lead cross-functional teams, TOGAF or equivalent architecture certification preferredBenefitsBase Salary up to $187k depending on experienceBonus: 10% cash + 10% RSUs (discretionary, semi-annual)Remote work available in the US (onsite San Diego preferred) Benefits: Medical, Dental, Vision, HSA/FSA, 401(k) with match, 529 Savings PlanPTO: 3 weeks of vacation, 11 paid holidays, Paid Sick LeaveExtras: Employee mortgage program, bank account with self-directed trading, and access to cutting-edge tech projects