Job Description

Open Banking Principal Architect

Location:

Memphis (TN), Charlotte (NC), Raleigh (NC), or Birmingham, Alabama

Compensation:

$150,000

Employment Type:

Full-Time

Role Overview

We are seeking an Open Banking Principal Architect to lead the enterprise architecture strategy, governance, and delivery of next-generation digital capabilities. This role will own the technology roadmap for Open Banking enablement (provider and consumer models), real-time data-sharing frameworks, and secure API ecosystems. The Principal Architect will guide solution teams across mobile, web, integration, security, and cloud, ensuring security-first design, data privacy, and regulatory compliance while balancing platform stability and modernization.

Required Skills & Experience

12-20+ years of experience in technology architecture, with strong experience in banking, Open Banking, or financial services Deep expertise in

Open Banking standards: FDX, data-sharing frameworks, consent architecture, customer identity

Strong experience building API ecosystems using

Java/Spring Boot, API gateways, and API management platforms

Ability to architect solutions on modern cloud platforms (

Azure AKS, AWS EKS, or similar

) Experience with

Apigee or similar integration modernization platforms

Broad knowledge of

identity, fraud, cybersecurity, compliance, and risk controls

Experience with

Kafka streaming, event-driven architecture, and real-time data processing

Proven track record architecting major technology transformation programs Strong executive communication and business-case development skills

Skill Matrix -- Open Banking Principal Architect

Programming

Must Have:

Java (advanced), Spring Boot (3.x, reactive patterns), API design

Good to Have:

Node.js, React.js

Open Banking Standards

Must Have:

FDX (hands-on), Digital Banking APIs

Good to Have:

BIAN, ISO 20022, PSD2

Open Banking Platforms

Must Have:

Ninth Wave (hands-on/exposure)

Good to Have:

Plaid, Tink, MX, Finicity

IDP & Security

Must Have:

OAuth2.0, OIDC, mTLS with Okta/Ping/Azure AD/ForgeRock

Good to Have:

Advanced tokenization and FPE

Consent Management

Must Have:

Consent & data sharing flows

Good to Have:

GDPR/CCPA preference management

Data Security

Must Have:

Mandatory data masking, logging compliance, secure coding practices

Good to Have:

Tokenization, format-preserving encryption (FPE)

Cloud & Deployment

Must Have:

Docker, Kubernetes, Azure AKS

Good to Have:

AWS EKS, GCP GKE

Ingress & API Gateway

Must Have:

NGINX ingress controller, Azure API Management

Good to Have:

Apigee, MuleSoft, Kong

Event Streaming

Must Have:

Kafka (producer/consumer, schema registry)

Good to Have:

MQ, Pulsar

AI/Automation

Must Have:

AI tools for development, testing, and code review

Good to Have:

Prompt engineering, AI-assisted documentation

Testing

Must Have:

Unit testing (JUnit, Mockito), functional automation testing

Good to Have:

Cucumber, Karate, Postman automation

Code Quality & Security

Must Have:

SonarQube, Veracode, static analysis, secure coding practices

Good to Have:

Checkmarx, Fortify

CI/CD & DevOps

Must Have:

Jenkins, Bitbucket Pipelines, Azure DevOps

Good to Have:

GitHub Actions, GitLab CI/CD

Domain Knowledge

Must Have:

Banking / Financial Services

Good to Have:

Insurance, FinTech startups

Soft Skills

Must Have:

Strong communication, mentoring, technical leadership

Good to Have:

Client-facing presentation skills

Job Type: Full-time

Application Question(s):

This is a Full-Time position, are you still interested in applying for this role? Do you require any type of sponsorship to work in the USA? Please share your LinkedIn profile. (Mandatory requirement) What is your current location?
Experience:

Principal Architect: 10 years (Required)
Work Location: In person