Senior Architect, Software Engineering

Western Union • Austin, TX

5d • Hybrid

About The Position

In this role, you are responsible for leading the design and delivery of scalable, secure, cloud-native solutions across digital banking, wallets, cards, and payment platforms. This role combines hands-on technical leadership with domain expertise to translate complex business requirements into robust architectural solutions, while mentoring teams and driving engineering excellence.

Requirements

• Master’s degree with 8+ years or bachelor’s degree in computer science or related fields with 10+ years of banking, fintech, or payments technology. Equivalent work experience in lieu of degree in banking, fintech, or payment technology.
• Proven experience across Core banking, Digital Banking, Wallets, Cards, or Payments architecture.
• Strong understanding of banking as a service, payment lifecycles, ledgering, settlement, and reconciliation.
• Experience working in regulated environments with compliance and audit requirements.
• Strong hands-on experience with AWS Cloud, including services such as: Compute (EC2, ECS/EKS, Lambda) API & Integration (API Gateway, EventBridge, SQS, SNS) Data (RDS, PGSql, DynamoDB etc) Security & Monitoring (IAM, CloudWatch, CloudTrail)
• Deep experience designing API-driven and event-based systems.
• Strong understanding of distributed systems, scalability, and resiliency patterns.
• Experience with CI/CD pipelines and infrastructure-as-code.

Nice To Haves

• Experience with real-time payment systems and local payment rails.
• Exposure to cross-border payments and multi-currency systems.
• AWS certifications (Solutions Architect or equivalent).
• Experience modernizing legacy banking or payment platforms.

Responsibilities

• Lead the end-to-end solution design for digital banking, wallet, card issuing/processing, and payment systems.
• Define cloud-native architectures on AWS, leveraging managed services for scalability, resiliency, and security.
• Design API-first, event-driven architectures supporting real-time and batch payment flows.
• Ensure clear separation between channels, orchestration, domain services, ledger, and settlement systems.
• Review and approve solution designs to ensure alignment with enterprise architecture, security, and compliance standards.
• Apply strong domain knowledge across: Digital Banking platforms Wallets and stored-value systems Card issuing, authorization, clearing, and settlement Domestic and cross-border payment rails
• Design solutions that address funds availability, settlement finality, reconciliation, and accounting.
• Ensure architectures support regulations, compliance, and audit requirements across regions.
• Collaborate with Risk, Compliance, and Operations to embed controls, traceability, and auditability into solutions.

Benefits

• You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few (https://careers.westernunion.com/global-benefits/).
• Your United States – Specific Benefits Include Paid Time Off Medical, Dental and Life Insurance Tuition Assistance Program Student Loan Repayment (below manager level only) Parental Leave One day volunteer time off $0 Money Transfer Fee Discount Code – Quarterly Recognition Program “Game Changers” Employee Discount Program Global Adoption Assistance Global Scholarship Awards Program 401K plan

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 1,001-5,000 employees