Payments Java Architect - Onsite

Title: Payments Java Architect - Onsite Location: Charlotte,NC Length :Long term Restriction: w2 or c2c Description: ** Webcam interview; * Long term project * Linkedin Must * Onsite ***** Job Description Job Summary We are seeking a highly experienced Payments Architect with 12+ years of IT experience and deep expertise in Banking and Payments platforms. The ideal candidate will be a hands-on architect with strong Java, Spring Boot, Microservices, and enterprise architecture experience, capable of designing scalable, resilient, and high-performance payment solutions. This role requires both strategic architectural leadership and the ability to work across application, integration, data, infrastructure, and production support layers. Key Responsibilities Define and drive solution architecture for enterprise payment-processing applications. Design highly scalable, resilient, and high-availability systems for high-volume payment workloads. Provide technical leadership across application, integration, database, infrastructure, security, and deployment architectures. Lead architecture and design reviews, ensuring alignment with enterprise standards and best practices. Collaborate with Product Owners, Business Teams, Developers, QA, Infrastructure, Database, and Operations teams. Architect and guide API-driven, messaging, event-driven, and system integration solutions. Review application design and code approaches, identifying opportunities for performance optimization and reliability improvements. Support production issue resolution, root cause analysis, and architectural remediation initiatives. Mentor engineering teams and promote architecture governance and engineering excellence. Drive best practices around observability, security, scalability, and operational readiness. Required Technical Skills 10+ years of IT experience with significant experience in Architecture and Design. Strong hands-on experience with: Java Spring Boot Microservices Architecture Extensive knowledge of RESTful APIs, integration patterns, and messaging technologies. Strong experience with Oracle/SQL and database performance optimization. Experience designing and implementing distributed, high-volume, highly available systems. Expertise in cloud-native architectures and container platforms such as Kubernetes or OpenShift. Strong understanding of: CI/CD pipelines Application Security Monitoring & Observability Production Support Architecture Ability to perform detailed technical reviews and provide hands-on guidance to development teams. Strong understanding of infrastructure and application architecture across multiple technology layers. Payments Domain Expertise Strong knowledge of end-to-end payment processing lifecycle. Experience with Commercial Banking Payments. Understanding of ISO 20022 payment standards and message formats. Experience with one or more payment systems: ACH Wire Transfers Real-Time Payments (RTP) SWIFT Knowledge of transaction processing, payment validations, exception handling, settlement, and reconciliation processes. Experience designing architectures for mission-critical payment systems.