Senior System Architect

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.

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.

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.