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About the Role

Lead 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.

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/settlement, and domestic/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.

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 experience.
• 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.
• Experience with real-time payment systems and local payment rails.
• Exposure to cross-border payments and multi-currency systems.
• Experience modernizing legacy banking or payment platforms.
• Applicants must be currently authorized to work in the United States on a full-time basis.
• Western Union will not sponsor applicants for work visas for this position.

Skills

• AWS Cloud
• Compute (EC2, ECS/EKS, Lambda)
• API & Integration (API Gateway, EventBridge, SQS, SNS)
• Data (RDS, PGSql, DynamoDB etc)
• Security & Monitoring (IAM, CloudWatch, CloudTrail)
• API-driven systems
• Event-based systems
• Distributed systems
• Scalability
• Resiliency patterns
• CI/CD pipelines
• Infrastructure-as-code
• Real-time payment systems
• Local payment rails
• Cross-border payments
• Multi-currency systems

Location

• Austin, TX

Work Type

• HYBRID

Experience Level

• 8+ years
• 10+ years

Education Level

• Master’s degree
• Bachelor’s degree in computer science or related fields

Salary/Compensations

• Annual base salary range is $150,000 – 195,000 USD per year.
• Total on-target compensation includes a base salary, and both short-term and long-term incentives that align with individual and company performance.
• Actual salaries will vary based on candidates’ qualifications, skills, and competencies.

Benefits

• Short-term incentives
• Multiple health insurance options
• Accident and life insurance
• Access to best-in-class development platforms
• 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

About the Company

• At Western Union, we’re more than a trusted name in global payments. We’re moving beyond remittances, beyond cash, and beyond the expectations of our customers. Our talented teams enable us to transform into a digital-first company, built on the strength of our retail foundation and powered by next-generation payments. All this with the goal of helping people prosper. Our customers inspire us to push boundaries and create services that make life easier and communities stronger. Wherever you are in the world, we’re committed to shaping the next generation of financial experiences. Join us as we go beyond and be part of a team that’s redefining what’s possible.

Equal Opportunity

• We are passionate about honoring our employee's identity and fostering a feeling of belonging. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status.
• The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.