Senior Architect, Payments

Senior Architect, Payments at Crate & Barrel summary: The Senior Architect, Payments leads the design and evolution of enterprise payment system architectures, ensuring scalability, security, and compliance. This role focuses on developing solutions for payment processing, multi-channel acceptance, fraud detection, and integration with financial institutions and payment networks. The position requires extensive experience in payment technologies, cloud platforms, microservices, and payment industry standards, while collaborating closely with product and development teams.We inspire purpose-filled living that brings beauty and quality to the modern home. Together, we achieve. Associates across our business drive results, innovate, and inspire. Drawn together by our shared values and passion for our customers and our brands, we deliver home furnishings that are expertly designed, responsibly sourced, and bring timeless style and function to people’s homes. From the day we opened our first store in Chicago in 1962 to the digital innovations that engage millions of customers today, our iconic brand is over 60 years in the making—and our story is still unfolding. We’re here for it. We thinkyou should be too. We’re looking for a driven professional with an inclusive mindset to join our team as aSenior Architect, Payments. The Senior Architect, Payments will lead the design and evolution of our enterprise payment systems architecture. This role is critical to driving our payment technology strategy, ensuring scalability, security, and compliance while delivering exceptional customer experiences. The successful candidate will architect solutions that handle payment processing, support multiple payment methods, and integrate with various financial institutions and payment networks. This position is fully remote This role is an Individual ContributorA day in the life as a Senior Architect, Payments...Lead architectural decisions and architect solutions for payment processing platforms, including real-time transaction processing, settlement, and intelligent routing Define and implement microservices architecture patterns for payment systems with focus on scalability, resilience, and performance Evaluate and recommend payment technology vendors, platforms, and third-party integrations Architect secure payment solutions, including fraud detection, tokenization, and encryption Develop architecture for multi-channel payment acceptance (online, mobile, in-store, call center, API) Design real-time payment monitoring, alerting, and reporting capabilities Design APIs and integration patterns for payment service providers, banks, and internal enterprise financial systems Mentor development teams on payment domain knowledge and architectural principles Collaborate with product managers, business analysts, and stakeholders on payment features Work with DevOps teams on CI/CD pipelines and deployment strategies for payment systems What you’ll bring to the table… Deep understanding of the payment ecosystem, including major payment networks (Visa, Mastercard, etc.), acquirers, processors, and regulatory bodies Expertise in various payment methods (cards, digital wallets, BNPL, etc.) and the platforms (Adyen, PayPal, Klarna, etc.) that support them Deep understanding of payment industry standards (ISO 8583, ISO 20022, EMV, PCI DSS) Experience with cloud platforms (AWS, Azure, GCP) and payment-specific services Proficiency in microservices architecture, event-driven systems, and API design Knowledge of programming languages: .NET, python or similar enterprise languages Experience with databases: SQL, NoSQL, and distributed data systems Understanding of DevOps practices, containerization (Docker, Kubernetes), and CI/CD Experience with payment security and operational strategies, including fraud detection, tokenization, 3DS authentication, and transaction strategies (authorization, capture, refund Familiarity with emerging payment regulations Understanding of settlement, reconciliation, disputes, chargebacks and financial reporting requirementsWe’d love to hear from you if you have… Bachelor's degree in Computer Science, Software Engineering, or related field 8+ years of software development experience with 5+ years in payment systems 3+ years in senior architecture or technical leadership roles Proven experience with high-volume, mission-critical payment processing systems#li-remote Minimum Starting Rate:$126,000.00 Annually Up to:$160,000.00 AnnuallyPay ranges will be adjusted upward as needed to comply with applicable state and local law. In addition to your salary, based on your role, associates may be eligible for other compensation including bonuses, sales incentives, and long term incentives.Keywords: payment systems architecture, payment processing, microservices, payment security, fraud detection, API design, cloud platforms, DevOps, financial integrations, enterprise software