Senior System Architect
All-in-one Philippine e-wallet and cryptocurrency exchange combining crypto trading with payments, bills, QR checkout, mobile load, and remittances.
Funding history
About Coins.ph
Coins.ph is a regulated digital-asset and payments platform operating under the Coins.ph brand. Its services include buying, selling, and holding cryptocurrency; peso wallets; bill payments; mobile load; QR payments; money transfers; and remittances. The current user agreement identifies Betur, Inc. and DCPay Philippines, Inc. as the entities doing business as coins.ph.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Lead architecture review and reconstruction for payment systems covering transactions, clearing, settlement, risk control, accounting, channel management, and cross-border payments. Design medium- and long-term architecture plans, collaborate with product teams, improve R&D systems and microservice governance, and ensure availability, performance, consistency, security, and regulatory compliance.
Requirements
- Bachelor's degree or above in Computer Science, Software Engineering, Information Security, or a related major.
- More than 5 years of system architecture design experience in financial payments.
- Experience in payment companies, fintech, internet finance, or bank payment departments.
- Deep understanding of payment processes including transaction initiation, routing, risk control, clearing, reconciliation, and refunds.
- Cross-border payment system design or operations experience.
- Familiarity with SWIFT, CIPS, overseas payment channels, and multi-region compliance.
- Strong distributed systems, microservices, distributed transactions, high-concurrency, caching, and messaging experience.
- Familiarity with Java, Spring Cloud or Dubbo, MySQL, Redis, Kafka, and RocketMQ.
- Understanding of Docker and Kubernetes preferred.
- Strong cross-team communication and coordination skills.
- Knowledge of PCI DSS, Netlink/UnionPay specifications, and payment security architecture.
- Experience with payment-license systems, cross-border payment architecture, AML, or KYC preferred.
Responsibilities
- Review and reconstruct existing payment system architecture.
- Identify architectural defects, performance bottlenecks, security risks, and scalability issues.
- Design medium- and long-term technical architecture plans for financial payments.
- Plan system layering, service splitting, technology selection, middleware governance, and compliance architecture.
- Adapt cross-border clearing channels and multi-region payment systems.
- Translate product needs into technical implementation plans.
- Build efficient R&D systems, toolchains, automated testing, deployment processes, and microservice governance.
- Ensure high availability, high concurrency, data consistency, and payment security compliance.
- Prevent cross-border payment risks including exchange-rate, clearing-delay, and data-transmission risks.
- Formulate disaster recovery plans and emergency response mechanisms.