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Software Architect Sr (Payments)
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locations
PA - Pittsburgh (15222)
TX - Farmers Branch
time type
Full time
posted on
Posted 2 Days Ago
job requisition id
R212825
Position Overview
At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a Software Architect Sr within PNC's C&IB' Payments organization, you will be based in Pittsburgh, PA or Dallas, TX.
Position Overview
The Payments Software Architect Sr is responsible for defining, governing, and guiding the end-to-end solution architecture for assigned Payments capabilities and platforms at PNC. This role operates as part of the Payments Solution Design & Engineering organization and works horizontally across multiple agile delivery teams to ensure solution designs are aligned with the Payments target-state architecture, enterprise standards, and regulatory requirements.
The Software Engineer Expert reports into the Director, Payments Solution Design & Engineering and partners closely with engineering, product, risk, and business stakeholders to translate complex Payments domain requirements into scalable, resilient, and secure technical solutions.
________________________________________
Key Responsibilities
Solution Architecture & Design
Define and own end-to-end solution architecture for assigned Payments capabilities, platforms, or value streams, under the guidance of the Payments design authority.
Develop solution designs that align with the Payments target-state architecture, enterprise technology standards, and architectural guardrails established by the Director.
Lead solution design activities including architecture diagrams, design specifications, integration models, and non-functional requirements.
Ensure architectural consistency across multiple agile delivery teams and initiatives.
Agile Delivery Enablement
Act as the embedded architectural lead across agile delivery teams while maintaining alignment to centralized Payments architecture standards.
Provide hands-on guidance to engineering teams during design, build, testing, and deployment phases.
Participate in sprint planning, design sessions, and technical reviews to ensure architecture is implemented as intended.
Identify and proactively escalate cross-team dependencies and architectural risks to the Director as needed.
Payments Domain & Industry Expertise
Apply deep Payments domain knowledge to solution designs, ensuring they reflect real-world payment flows and operational realities.
Design solutions across Payments capabilities including (but not limited to):
oCore payment processing and clearing
oPayment orchestration, routing, and workflow
oReal-time, batch, and high-value payments
oIntegration with external networks, vendors, and fintech partners
oData, reporting, reconciliation, and operational controls
Incorporate funding, liquidity, settlement timing, exception handling, and resiliency considerations into solution designs.
Architecture Governance & Standards
Ensure solution designs comply with Payments and enterprise architecture principles, standards, and patterns.
Participate in architecture design reviews, trade-off discussions, and exception processes led by the Payments design authority.
Partner with the Director and peer Solution Architects to resolve complex design decisions.
Contribute to the evolution of Payments reference architectures, patterns, and best practices.
Risk, Security & Compliance
Ensure all solution designs adhere to PNC policies for information security, resiliency, data protection, and operational risk.
Partner with Risk, Security, and Compliance teams to identify and mitigate technology and architectural risks.
Ensure regulatory, scheme, and network rules are appropriately reflected in solution designs.
Collaboration & Thought Leadership
Serve as a trusted technical advisor to engineering, product, and business partners.
Clearly communicate architectural decisions, trade-offs, and impacts to technical and non-technical stakeholders.
Contribute to architectural knowledge sharing and continuous improvement across the Payments organization.
________________________________________
Required Technical Skills
Strong expertise in enterprise solution architecture for large-scale, highly available systems.
Hands-on experience with modern architecture patterns, including:
oEvent-driven and asynchronous architectures
oAPI-first and service-oriented design
oMicroservices and domain-driven design (DDD)
oHigh-availability, active-active, and resilient system designs
Experience designing solutions across hybrid environments (on-prem and cloud).
Strong understanding of data architecture concepts including transactional processing, reconciliation, operational reporting, and analytics.
Experience integrating vendor platforms and third-party products into enterprise ecosystems.
________________________________________
Payments Industry Product & Network Expertise
Working knowledge of payment networks, schemes, and rails such as:
oACH
oWire payments (e.g., Fedwire, CHIPS)
oReal-Time Payments (RTP) and instant payments
oSWIFT and international payments
Understanding of industry standards and messaging formats (e.g., ISO 20022) and their architectural implications.
Experience working with payment engines, orchestration platforms, clearing systems, and supporting operational tooling.
________________________________________
Payments Domain Knowledge
Strong understanding of how payment systems operate in practice, including:
oEnd-to-end payment lifecycle and settlement models
oFunding, liquidity, and cut-off timing considerations
oRisk exposures, exception handling, and recovery scenarios
oOperational resiliency, business continuity, and disaster recovery
oRegulatory and compliance considerations impacting Payments technology
Ability to translate complex Payments domain requirements into scalable, maintainable, and secure technical designs.
________________________________________
Required Skills & Experience
12+ years of experience in solution architecture, engineering, or technical leadership roles within financial services.
Proven experience designing and delivering complex Payments or transaction processing systems.
Strong understanding of agile delivery models and how to effectively embed architecture within them.
Ability to influence without authority and collaborate across engineering, product, and risk partners.
Strong communication skills with the ability to articulate complex technical concepts clearly.
________________________________________
Preferred Qualifications
Experience supporting large-scale Payments modernization or transformation initiatives.
Prior experience operating within an architecture governance or design authority model.
Strong executive presence and comfort engaging with senior technology and business leaders.
PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.
PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
Job Description
Leads in the overall design of cross-functional, multi-platform, and Web-based application systems; oversees all application system processes.
Develops application architecture and blueprints aimed at reflecting enterprise business logic.
Defines application components, platforms, interfaces, and development tools. Directs mapping activities on specific technology platforms.
Provides technical guidance to application development teams. Consults on integration and conversion activities.
Conducts reviews, and analyses organizational needs and goals to develop and implement applications.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
Preferred Skills
Competitive Advantages, Customer Solutions, Design, End to End Business Process, Enterprise Architecture Framework, Event Driven Architecture (EDA), Machine Learning (ML), Microservices Architecture, Risk Assessments, Technical Knowledge
Competencies
Analytical Thinking, Application Development Tools, Industry Knowledge, IT Architecture, Platform Architecture, Products and Services, Service Oriented Architecture Technologies, Software Process Improvement (SPI)
Work Experience
Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
Education
Bachelors
Certifications
No Required Certification(s)
Licenses
No Required License(s)
Benefits
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.
In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.
Disability Accommodations Statement
If an accommodation is required to participate in the application process, please contact us via email at .... Please include accommodation request in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ... and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
California Residents
Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
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About Us
For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work.
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Join PNC's Talent Community
If you're not ready to apply yet, or you'd like to learn more about PNC, join the Talent Community to receive regular updates on what's happening at PNC and available career opportunities. Click to join!
2026 Workday, Inc. All rights reserved.
Search for Jobs
Software Architect Sr (Payments) page is loaded
Software Architect Sr (Payments)
Apply
locations
PA - Pittsburgh (15222)
TX - Farmers Branch
time type
Full time
posted on
Posted 2 Days Ago
job requisition id
R212825
Position Overview
At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a Software Architect Sr within PNC's C&IB' Payments organization, you will be based in Pittsburgh, PA or Dallas, TX.
Position Overview
The Payments Software Architect Sr is responsible for defining, governing, and guiding the end-to-end solution architecture for assigned Payments capabilities and platforms at PNC. This role operates as part of the Payments Solution Design & Engineering organization and works horizontally across multiple agile delivery teams to ensure solution designs are aligned with the Payments target-state architecture, enterprise standards, and regulatory requirements.
The Software Engineer Expert reports into the Director, Payments Solution Design & Engineering and partners closely with engineering, product, risk, and business stakeholders to translate complex Payments domain requirements into scalable, resilient, and secure technical solutions.
________________________________________
Key Responsibilities
Solution Architecture & Design
Define and own end-to-end solution architecture for assigned Payments capabilities, platforms, or value streams, under the guidance of the Payments design authority.
Develop solution designs that align with the Payments target-state architecture, enterprise technology standards, and architectural guardrails established by the Director.
Lead solution design activities including architecture diagrams, design specifications, integration models, and non-functional requirements.
Ensure architectural consistency across multiple agile delivery teams and initiatives.
Agile Delivery Enablement
Act as the embedded architectural lead across agile delivery teams while maintaining alignment to centralized Payments architecture standards.
Provide hands-on guidance to engineering teams during design, build, testing, and deployment phases.
Participate in sprint planning, design sessions, and technical reviews to ensure architecture is implemented as intended.
Identify and proactively escalate cross-team dependencies and architectural risks to the Director as needed.
Payments Domain & Industry Expertise
Apply deep Payments domain knowledge to solution designs, ensuring they reflect real-world payment flows and operational realities.
Design solutions across Payments capabilities including (but not limited to):
oCore payment processing and clearing
oPayment orchestration, routing, and workflow
oReal-time, batch, and high-value payments
oIntegration with external networks, vendors, and fintech partners
oData, reporting, reconciliation, and operational controls
Incorporate funding, liquidity, settlement timing, exception handling, and resiliency considerations into solution designs.
Architecture Governance & Standards
Ensure solution designs comply with Payments and enterprise architecture principles, standards, and patterns.
Participate in architecture design reviews, trade-off discussions, and exception processes led by the Payments design authority.
Partner with the Director and peer Solution Architects to resolve complex design decisions.
Contribute to the evolution of Payments reference architectures, patterns, and best practices.
Risk, Security & Compliance
Ensure all solution designs adhere to PNC policies for information security, resiliency, data protection, and operational risk.
Partner with Risk, Security, and Compliance teams to identify and mitigate technology and architectural risks.
Ensure regulatory, scheme, and network rules are appropriately reflected in solution designs.
Collaboration & Thought Leadership
Serve as a trusted technical advisor to engineering, product, and business partners.
Clearly communicate architectural decisions, trade-offs, and impacts to technical and non-technical stakeholders.
Contribute to architectural knowledge sharing and continuous improvement across the Payments organization.
________________________________________
Required Technical Skills
Strong expertise in enterprise solution architecture for large-scale, highly available systems.
Hands-on experience with modern architecture patterns, including:
oEvent-driven and asynchronous architectures
oAPI-first and service-oriented design
oMicroservices and domain-driven design (DDD)
oHigh-availability, active-active, and resilient system designs
Experience designing solutions across hybrid environments (on-prem and cloud).
Strong understanding of data architecture concepts including transactional processing, reconciliation, operational reporting, and analytics.
Experience integrating vendor platforms and third-party products into enterprise ecosystems.
________________________________________
Payments Industry Product & Network Expertise
Working knowledge of payment networks, schemes, and rails such as:
oACH
oWire payments (e.g., Fedwire, CHIPS)
oReal-Time Payments (RTP) and instant payments
oSWIFT and international payments
Understanding of industry standards and messaging formats (e.g., ISO 20022) and their architectural implications.
Experience working with payment engines, orchestration platforms, clearing systems, and supporting operational tooling.
________________________________________
Payments Domain Knowledge
Strong understanding of how payment systems operate in practice, including:
oEnd-to-end payment lifecycle and settlement models
oFunding, liquidity, and cut-off timing considerations
oRisk exposures, exception handling, and recovery scenarios
oOperational resiliency, business continuity, and disaster recovery
oRegulatory and compliance considerations impacting Payments technology
Ability to translate complex Payments domain requirements into scalable, maintainable, and secure technical designs.
________________________________________
Required Skills & Experience
12+ years of experience in solution architecture, engineering, or technical leadership roles within financial services.
Proven experience designing and delivering complex Payments or transaction processing systems.
Strong understanding of agile delivery models and how to effectively embed architecture within them.
Ability to influence without authority and collaborate across engineering, product, and risk partners.
Strong communication skills with the ability to articulate complex technical concepts clearly.
________________________________________
Preferred Qualifications
Experience supporting large-scale Payments modernization or transformation initiatives.
Prior experience operating within an architecture governance or design authority model.
Strong executive presence and comfort engaging with senior technology and business leaders.
PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.
PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
Job Description
Leads in the overall design of cross-functional, multi-platform, and Web-based application systems; oversees all application system processes.
Develops application architecture and blueprints aimed at reflecting enterprise business logic.
Defines application components, platforms, interfaces, and development tools. Directs mapping activities on specific technology platforms.
Provides technical guidance to application development teams. Consults on integration and conversion activities.
Conducts reviews, and analyses organizational needs and goals to develop and implement applications.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
Preferred Skills
Competitive Advantages, Customer Solutions, Design, End to End Business Process, Enterprise Architecture Framework, Event Driven Architecture (EDA), Machine Learning (ML), Microservices Architecture, Risk Assessments, Technical Knowledge
Competencies
Analytical Thinking, Application Development Tools, Industry Knowledge, IT Architecture, Platform Architecture, Products and Services, Service Oriented Architecture Technologies, Software Process Improvement (SPI)
Work Experience
Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.
Education
Bachelors
Certifications
No Required Certification(s)
Licenses
No Required License(s)
Benefits
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.
In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.
Disability Accommodations Statement
If an accommodation is required to participate in the application process, please contact us via email at .... Please include accommodation request in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ... and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
California Residents
Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
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About Us
For nearly 160 years, PNC has strived to make a meaningful impact for our employees, customers, communities, and shareholders. We believe our success and positive reputation are built on open and honest dialogue, an unwavering focus on smart risk management, relationship-based customer service and community investments. Our inclusive workplace allows our employees to be heard, valued, and developed to do their best work.
Read More
Top Reasons to Join PNC
Being a great place to work means we are making a lasting difference for everyone we serve. Check out the top reasons to join PNC.
Total Rewards
PNC's total rewards package includes things like time off, benefits, learning and career development, wellness programs, recognition and much more. The benefits and programs highlighted below are just a sampling of what PNC offers its employees. To learn more, visit our Total Rewards page.
Read More
Join PNC's Talent Community
If you're not ready to apply yet, or you'd like to learn more about PNC, join the Talent Community to receive regular updates on what's happening at PNC and available career opportunities. Click to join!
2026 Workday, Inc. All rights reserved.
Job ID: 521126924
Originally Posted on: 5/14/2026
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