At our company, we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees!

As the Principal Systems Architect, you will lead the design of scalable, secure, and high-impact consumer fintech platforms that power digital banking experiences, co-branded credit cards, embedded finance, and personalized financial tools. This role is central to the company's broader fintech strategy, connecting millions of customers to smarter, flawless ways to manage and access money—across mobile, web, and in-store channels.

You’ll define the architectural vision for banking-as-a-service (BaaS), card issuance and processing, digital identity and onboarding, customer insights, and secure integrations with partners and fintech providers. You’ll work across engineering, product, legal, compliance, and cybersecurity to bring aggressive financial products to life—aligned with regulatory standards and passionate about outstanding user experience. This is a high-visibility, high-impact role where you’ll influence the future of how consumers experience finance with the company.

Job Responsibilities:

• Architect consumer-facing financial solutions including digital bank accounts, savings and checking tools, co-branded credit card products, and embedded finance capabilities.
• Define and maintain architectural standards for integration with BaaS providers, card issuers/processors, KYC/AML vendors, and payment networks (Visa, Mastercard).
• Collaborate with product managers, UX designers, and engineers to build intuitive and secure financial experiences for mobile-first consumers.
• Lead technology evaluations for third-party fintech partners covering card issuance, core banking platforms, data aggregation, and personal finance management.
• Ensure secure architecture and data design for customer onboarding, credit decisioning, account servicing, and financial transactions.
• Champion privacy, data protection, and regulatory compliance (including PCI, GLBA, CFPB, and Reg E) across consumer facing FinTech platforms.
• Implement scalable API architectures for money movement (ACH, debit rails, instant payout), card management, account funding, and transaction data enrichment.
• Provide architectural oversight for loyalty integrations, rewards platforms, and customer engagement engines tied to credit and banking products.
• Lead proof-of-concept initiatives to test emerging fintech capabilities such as credit scoring models, instant issuing, and account verification innovations.
• Maintain system documentation, architecture blueprints, and technical standards to guide development and cross-team partnerships.
• Act as a strategic advisor on Fin Tech trends and platform roadmaps—ensuring the company delivers differentiated and forward-looking financial products that improve customer experience.

Knowledge, Skill, Experience

7-10 years of experience:

• In financial services, FinTech, or digital banking environments with customer-facing product delivery. (Required)
• In enterprise systems architecture, software engineering, or infrastructure design at scale. (Required)

5+ years of experience:

• Crafting or integrating consumer banking platforms, credit card issuance systems, or BaaS platforms (e.g., Galileo, Marqeta, Synapse, Bond, Unit). (Preferred)
• Working with KYC/AML vendors, fraud prevention tools, or financial data aggregators (e.g., Alloy, Persona, Plaid, Trustly, MX). (Preferred)

4-7 years of experience:

• In mobile and web application architecture for financial products, including account opening, card activation, and account servicing. (Required)
• Crafting compliant FinTech systems within the framework of PCI DSS, SOC 2, and other regulatory obligations. (Preferred)
• With cloud-native development (AWS, GCP, Azure), containerization (Docker and Kubernetes), and API-first ecosystems. (Preferred)

Education:

Bachelor’s degree in computer science, Engineering, or a related field. Advanced degrees or business/fintech certifications are a plus.

Licenses and Certifications:

Certifications such as AWS Architect, TOGAF, CISSP, or fintech/banking-specific credentials (e.g., FCP, CRCM) are desirable.

• At least 18 years of age

• Legally authorized to work in the United States

Travel:

Travel Required (Yes/No):Yes

DOT Regulated:

DOT Regulated Position (Yes/No):No

Safety Sensitive Position (Yes/No):No

Base Pay Range: $123,800 - $223,300

Corporate Bonus Target: 20%

The pay range above is the general base pay range for a successful candidate in the role. The successful candidate’s actual pay will be based on various factors, such as work location, qualifications, and experience, so the actual starting pay will vary within this range.

At our company, employees in regular, non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus, based on their role. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employee’s eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance.

At our company, our benefits exemplify the spirit of One Team, together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases, offering medical, dental and vision insurance, a flexible spending account, 401(k), employee stock grants, employee stock purchase plan, paid time off and up to 12 paid holidays - which total about 4 weeks for new full-time employees and about 2.5 weeks for new part-time employees annually - paid parental and family leave, family building benefits, back-up care, enhanced family support, childcare subsidy, tuition assistance, college coaching, short- and long-term disability, voluntary AD&D coverage, voluntary accident coverage, voluntary life insurance, voluntary disability insurance, and voluntary long-term care insurance. We don't stop there - eligible employees can also receive mobile service & home internet discounts, pet insurance, and access to commuter and transit programs!