Cash Payments Architect jobs in United States
cer-icon
Apply on Employer Site
company-logo

Cognizant · 19 hours ago

Cash Payments Architect

positionChicago, IL
timeFull-time
remoteHybrid
senioritySenior Level, Lead/Staff
money$90K/yr - $130K/yr
date10+ years exp

Cognizant Consulting is a global community of experts dedicated to helping clients reimagine their business. As a Cash Payments Architect, you will design and govern resilient payments architectures, collaborating with stakeholders to modernize payments platforms and integrate with clearing schemes.

ConsultingIndustrial AutomationInformation TechnologySoftwareSoftware Engineering
check
H1B Sponsor Likelynote

Responsibilities

Define and govern end-to-end application and integration architecture for real-time and batch payments, balancing throughput, latency, resiliency, data interfaces, and client-server/microservices communication
Partner with Business and Principal Solution/Enterprise Architects to align designs to enterprise strategy; prepare and present architecture for Design Authority/Architecture Review Board decisions
Consult with technology and business stakeholders to evaluate and recommend techniques, practices, and technologies (APIs, events, messaging, integration patterns) that ensure efficient, flexible, and durable solutions
Lead payments solution designs and integrations with clearing/settlement networks (e.g., Fedwire, ACH, CHIPS, CHAPS, SWIFT; RITS exposure a plus) and internal systems across the payment lifecycle
Champion modern patterns—ISO 20022, event-driven architectures, cloud-native microservices—and coach teams on scalable design, quality, and operability

Qualification

Payments domain expertiseAPI-led integrationISO 20022Cloud-native architecturesJava/SpringMicroservicesRelational databasesNoSQL databasesStakeholder managementAgile/ScrumData modelingDesign patternsOperational readinessCommunication skills

Required

10+ years in application/infrastructure architecture across multiple technologies, with recent hands-on object-oriented experience; ability to interpret Java/Spring and apply appropriate design patterns
Payments domain expertise across the full lifecycle (initiation, validation, clearing, settlement, exceptions) and deep familiarity with ISO 20022 for high-value and low-value payments
Proven experience integrating enterprise payments platforms with in-house applications using API-led and event-driven patterns (e.g., REST, gRPC, messaging, Kafka)
Experience with clearing schemes such as Fedwire, ACH, CHIPS, CHAPS, SWIFT (RITS valued) and the surrounding controls for resiliency, recoverability, and monitoring
Strong consultative, communication, and stakeholder management skills across Operations, Product, Business, and Technology; fluency with Agile/Scrum delivery and architecture frameworks (e.g., TOGAF, UML, C4)

Preferred

Background with Cash Management, DDA, Liquidity Management solutions and prior exposure to payments vendor platforms (ACI, Intellect Design Arena, Oracle, SAP, Temenos, Fiserv)
Applied experience with cloud-native architectures, microservices, containers, and Kubernetes; site reliability and operational readiness practices
Proficiency with relational and NoSQL databases and data modeling for payments
Ability to articulate designs with Visio, Sparx Enterprise Architect, IBM Rational, or Miro
A balanced, cross-functional mindset—driving efficiency, effectiveness, and productivity across business and technology teams

Benefits

Medical, dental, vision, and life insurance
401(k) plan and contributions
Employee stock purchase plan
Employee assistance program
10 paid holidays plus PTO
Paid parental leave and fertility assistance
Learning and development certifications and programs

Company

Cognizant

twittertwittertwitter
Glassdoor3.8
company-logo
Cognizant is a professional services company that helps clients alter their business, operating, and technology models for the digital era.
dateFounded in 1994
location
Teaneck, New Jersey, USA
people-size10001+ employees
web-link
https://www.cognizant.com

H1B Sponsorship

Cognizant has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (11113)
2024 (11423)
2023 (13054)
2022 (13876)
2021 (12651)
2020 (28659)

Funding

Current Stage
Public Company
Total Funding
$0.24M
Key Investors
Summit Financial Wealth Advisors
2025-03-08Post Ipo Equity
2016-11-18Post Ipo Equity· $0.24M
1998-06-19IPO

Leadership Team

leader-logo
Ravi Kumar S
Chief Executive Officer
linkedin
leader-logo
Anil Cheriyan
CTO / EVP Strategy & Technology
linkedin

Recent News

IndiaTimes
AI’s productivity payoff yet to move the needle for IT cos
2026-01-08
Times Now
Shrimathi Devkunvar Nanalal Bhatt Vaishnav College, Autonomous, Chrompet, ChennaiCollege profile
2026-01-06
Verdict
Cognizant acquires 3Cloud to boost global Azure expertise
2026-01-06
Company data provided by crunchbase