Business Architect

Job Title: Enterprise Architect / Business Architect (Payments)

Location: London

About the Job you are considering:

We are seeking an experienced Enterprise Architect or Business Architect with deep expertise in UK and Global Payments to support strategic payment transformation initiatives. The successful candidate will drive the design, modernization, and optimization of domestic and international payment infrastructures, ensuring alignment with business objectives, regulatory requirements, industry standards, and future payment modernization programs such as the UK’s New Payments Architecture (NPA) and National Payments Vision (NPV).

The role requires strong domain expertise in payments processing, financial messaging, payment orchestration, transaction banking, and large-scale banking architecture transformation programs.

The places that you work from day to day will vary according to your role, your needs, and those of the business; it will be a blend of Company offices, client sites, and your home; noting that you will be unable to work at home 100% of the time.

Enterprise & Business Architecture

• Define and maintain target-state architecture for payment services across domestic and international payment ecosystems.
• Develop business capability models, process architectures, and technology roadmaps for payment modernization initiatives.
• Align payment transformation programs with enterprise architecture standards and strategic business objectives.
• Support architecture governance, design reviews, and solution approval processes.

Payments Domain Expertise

• Lead architecture and business analysis activities across end-to-end payment processing journeys.
• Design payment solutions covering domestic and international payment schemes.
• Provide subject matter expertise on payment lifecycle processes including initiation, routing, clearing, settlement, reconciliation, and exception handling.
• Support modernization efforts aligned with industry payment transformation programs.
• Drive adoption and implementation of financial messaging standards including:
• ISO 20022
• ISO 8583
• SWIFT Messaging
• Define message transformation, integration, and interoperability strategies across banking platforms and payment networks.

UK Payments Infrastructure

• Provide expertise across the UK domestic payments landscape including:
• CHAPS
• Faster Payments Service (FPS)
• BACS
• Demonstrate knowledge of New Payments Architecture (NPA) and National Payments Vision (NPV).
• Contribute to strategic initiatives supporting payment ecosystem evolution and regulatory compliance.

International Payments

• Design and support solutions involving:
• SWIFT
• SEPA
• International Cross-Border Payments
• Instant Payments Networks
• Ensure integration across multiple clearing and settlement infrastructures.

Payment Orchestration & Transformation

• Design payment orchestration and automation capabilities.
• Drive straight-through processing (STP) improvements and operational efficiency initiatives.
• Evaluate and implement payment hub and payment engine solutions.

Systems Integration

• Define integration patterns between payment engines, core banking systems, channels, middleware, and payment networks.
• Support API-led architecture, event-driven architectures, and service-based integration models.
• Ensure seamless interfacing across multiple banking platforms and external payment ecosystems.

Your Skills:

• 12+ years of experience in Banking and Financial Services.
• Extensive experience in Global Payments Processing.
• Strong knowledge of Global Financial Messaging Processes.
• Hands-on experience with:
• ISO 20022
• ISO 8583
• SWIFT messaging standards
• Deep understanding of UK Payments ecosystem:
• CHAPS
• FPS
• BACS
• Experience with International Payment Schemes:
• SWIFT
• SEPA
• Knowledge of New Payments Architecture (NPA).
• Understanding of National Payments Vision (NPV).
• Experience in Payment Orchestration and Payment Automation initiatives.
• Strong solution design and architecture experience for payment infrastructures.
• Expertise in systems integration across banking applications and payment networks.
• Strong analytical and problem-solving skills.
• Ability to convert business requirements into architecture and technology solutions.
• Experience with payment processing platforms such as:
• FIS OPF
• GPP
• IPF
• Experience with cloud transformation programs within banking.
• Familiarity with Open Banking and API ecosystems.
• Experience of real-time payments modernization initiatives.
• TOGAF, Zachman, or equivalent architecture certifications.

We are a Disability Confident Employer:

Capgemini is proud to be a Disability Confident Employer (Level 2) under the UK Government’s Disability Confident scheme.As part of our commitment to inclusive recruitment, we will offer an interview to all candidates who:

• Declare they have a disability, and
• Meet the minimum essential criteria for the role.

Please opt in during the application process.

Make It Real (what does it mean for you):

• You’d be joining an accredited Great Place to work for Wellbeing in 2024. Employee wellbeing is vitally important to us as an organisation. We see a healthy and happy workforce a critical component for us to achieve our organisational ambitions.
• To help support wellbeing we have trained ‘Mental Health Champions’ across each of our business areas, and we have invested in wellbeing apps such as Thrive and Peppy.
• You will be empowered to explore, innovate, and progress. You will benefit from Capgemini’s ‘learning for life’ mindset, meaning you will have countless training and development opportunities from thinktanks to hackathons, and access to 250,000 courses with numerous external certifications from AWS, Microsoft, Harvard ManageMentor, Cybersecurity qualifications and much more.
• You will be joining one of the World’s Most Ethical Companies®, as recognised by Ethisphere® for 13 consecutive years. We live our values by making ethical business choices every day. Working ethically is at the centre of our culture at Capgemini, meaning you will be helping to create a future we can all be proud of.

Why you should consider Capgemini:

Growing clients’ businesses while building a more sustainable, more inclusive future is a tough ask. When you join Capgemini, you’ll join a thriving company and become part of a collective of free-thinkers, entrepreneurs and industry experts. We find new ways technology can help us reimagine what’s possible. It’s why, together, we seek out opportunities that will transform the world’s leading businesses, and it’s how you’ll gain the experiences and connections you need to shape your future. By learning from each other every day, sharing knowledge, and always pushing yourself to do better, you’ll build the skills you want. You’ll use your skills to help our clients leverage technology to innovate and grow their business. So, it might not always be easy, but making the world a better place rarely is.

About Capgemini:

Capgemini is an AI-powered global business and technology transformation partner, delivering tangible business value. We imagine the future of organisations and make it real with AI, technology, and people. With our strong heritage of nearly 60 years, we are a responsible and diverse group of 420,000 team members in more than 50 countries. We deliver end-to-end services and solutions with our deep industry expertise and strong partner ecosystem, leveraging our capabilities across strategy, technology, design, engineering and business operations. The Group reported 2024 global revenues of €22.1 billion.

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