Senior System Architect

Skills

About the Role

You will conduct a comprehensive review of the architecture design of the company's existing payment systems, including transaction, clearing and settlement, risk control, accounting, channel management, and cross-border payment systems. You will focus on core modules in cross-border payment scenarios such as currency conversion, cross-border clearing channels, and multi-region compliance adaptation, identifying architectural defects, performance bottlenecks, security risks, and scalability issues, and you will formulate and implement end-to-end architecture reconstruction plans. You will design the medium and long-term technical architecture plan for the financial payment field based on business development strategy and cross-border payment expansion needs, covering system layering, service splitting, technology selection, middleware governance, and multi-region compliance architecture design. You will work closely with the product team to convert business needs into technical implementation plans, and you will lead the建设 of an efficient R&D system including technical specifications, toolchain optimization, automated testing and deployment, and microservice governance. You will also be responsible for high availability, high concurrency, data consistency, and security compliance of payment systems, focusing on preventing risks such as exchange rate risk, clearing delay risk, and cross-border data transmission risk, and you will formulate disaster recovery plans and emergency response mechanisms.

Requirements

• Bachelor's degree or above in Computer Science, Software Engineering, Information Security or related majors
• More than 5 years of experience in system architecture design in the financial payment field
• Core work experience in payment companies, internet finance enterprises, fintech companies or bank payment departments
• Deep understanding of the entire payment business process (transaction initiation, routing, risk control, clearing, reconciliation, refund)
• System design or operation and maintenance experience in cross-border payment business
• Familiarity with cross-border payment clearing channels (SWIFT, CIPS, overseas local payment channels)
• Familiarity with multi-region payment compliance requirements
• Rich experience in distributed system architecture design
• Proficiency in microservices, distributed transactions, high concurrency processing, caching strategies, and message queues
• Experience in large-scale payment system architecture reconstruction preferred
• Familiarity with Java back-end development
• Proficiency in microservice frameworks such as Spring Cloud or Dubbo
• Familiarity with MySQL, Redis, Kafka, RocketMQ middleware
• Understanding of cloud-native technologies (Docker, K8s) preferred
• Excellent cross-team communication and coordination capabilities
• Understanding of relevant laws, regulations and industry standards in financial payment (PCI DSS, Netlink/UnionPay specifications)
• Experience in security architecture design and risk prevention and control of payment systems
• Experience in payment license-related systems construction preferred
• Experience leading design and implementation of cross-border payment system architecture preferred
• Experience with large-scale cross-border payment channels such as SWIFT, CIPS, PayPal, Stripe preferred
• Familiarity with multi-region cross-border payment compliance policies such as AML and KYC preferred

Responsibilities

• Conduct comprehensive review of existing payment system architecture (transaction, clearing and settlement, risk control, accounting, channel management, cross-border payment systems)
• Identify architectural defects, performance bottlenecks, security risks, and scalability issues
• Formulate and implement end-to-end architecture reconstruction plans
• Design medium and long-term technical architecture plans for the financial payment field
• Plan system layering, service splitting, technology selection, and middleware governance
• Design multi-region compliance architecture and cross-border clearing channel adaptation
• Collaborate with the product team to convert business needs into technical implementation plans
• Build an efficient R&D system including technical specifications and toolchains
• Optimize automated testing and deployment processes
• Improve microservice governance systems
• Ensure high availability, high concurrency, and data consistency of payment systems
• Ensure security compliance including payment license compliance and PCI DSS
• Prevent and control cross-border payment risks such as exchange rate, clearing delay, and data transmission risks
• Formulate disaster recovery plans and emergency response mechanisms