Technical Architect - Banking & Payments

Join our AI & Engineering team in transforming technology platforms, driving innovation, and helping make a significant impact on our clients' success. You'll work alongside talented professionals reimagining and re-engineering operations and processes that are critical to businesses. Your contributions can help clients improve financial performance, accelerate new digital ventures, and fuel growth through innovation.

AI & Engineering leverages cutting-edge engineering capabilities to build, deploy, and operate integrated/verticalized sector solutions in software, data, AI, network, and hybrid cloud infrastructure. These solutions are powered by engineering for business advantage, transforming mission-critical operations. We enable clients to stay ahead with the latest advancements by transforming engineering teams and modernizing technology & data platforms. Our delivery models are tailored to meet each client's unique requirements.

Recruiting for this role ends on 08/31/2026.

Work you'll do

As a Technical Architect on the Banking and Capital Markets team, focusing on Commercial Banking, Retail Banking and Payments, you will be responsible for:

• Leading technical architecture and solution design for commercial banking, retail banking, and payments engagements
• Translating business requirements into detailed technical blueprints, including application architecture, integration patterns, data flows, and implementation approaches
• Guiding engineering teams through technical standards, design reviews, and build activities to deliver secure, scalable, and high-performance platforms
• Collaborating with client and Deloitte stakeholders across business, product, technology, operations, and delivery teams to align architecture decisions with program objectives
• Supporting technology transformation initiatives by evaluating solution options, shaping implementation roadmaps, and driving execution across workstreams

A successful candidate would possess these skills:

• Ability to work independently and collaborate as part of a team
• Effective written and verbal communication skills
• Meticulous attention to detail and quality of work product
• Ability to build and sustain professional relationships
• Ability to lead projects or workstreams
• Ability to manage and prioritize multiple tasks in a fast-paced and dynamic environment
• Strong interpersonal skills and professional demeanor
• Ability to meet deadlines
• Ability to mentor and provide clear guidance to others

The team

Our Industry Solutions offering provides verticalized solutions that transform how clients sell products, deliver services, generate growth, and execute mission-critical operations. We deliver integrated business expertise with scalable, repeatable technology solutions specifically engineered for each sector.

Deloitte's Financial Services industry business delivers a robust suite of integrated solutions designed to address the multifaceted operational, technological, regulatory, and risk management needs of financial institutions. Our team works across all sectors of the industry-including banking, capital markets, investment management, insurance, and real estate-to help our clients solve complex business challenges and adapt to a rapidly evolving marketplace. Deloitte's unique strength lies in our deep industry experience and capability to align comprehensive resources across Audit & Assurance, Tax, and Consultative Offerings-supporting clients to drive strategic transformation and sustainable growth.

The Banking and Capital Markets sector serves universal and regional banks, capital markets and securities firms, and payment networks with U.S. operations. The team focuses on delivering customer insights, growth and digital strategies, operational transformation, human capital, and technology modernization services to bank executives. We help clients address regulatory reform, technological modernization, competitive dynamics, and market growth opportunities.

Qualifications

Required:

• Bachelor's degree in Engineering, Business, Finance, or a related field
• 6+ years of experience in technical architecture, lead engineering, or software development
• 3+ years of experience as a technical lead or architect on enterprise-scale initiatives from architecture through deployment
• 3+ years of experience designing and building systems using microservices and event-driven architectures, including at least 1 production implementation
• Ability to travel 50%, on average, based on the work you do and the clients and industries/sectors you serve.
• Must be legally authorized to work in the United States without the need for employer sponsorship, now or at any time in the future.

Preferred:

• Advanced degree or certification in business, engineering, project management, process improvement, or lean methodologies
• Experience across payments, core banking, account management, card management, and integration architectures
• Experience with Representational State Transfer (REST), gRPC, Apache Kafka, RabbitMQ, Amazon Web Services (AWS), Microsoft Azure, or Google Cloud Platform (GCP)
• Experience with structured query language (SQL), NoSQL, data modeling, and application or cloud security practices
• Experience producing technical artifacts, including data models and architecture diagrams
• Experience with continuous integration and continuous deployment (CI/CD), DevOps, and infrastructure automation

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $148,200 to $292,300.

You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.