Solution Architecture, Global Payment Solutions (GPS)

Our purpose – Opening up a world of opportunity – explains why we exist. Here at HSBC, we use our unique expertise, capabilities, breadth, and perspectives to open up new kinds of opportunity for our more than 40 million customers. We’re bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world – for our customers, our people, our investors, our communities, and the planet we all share.

In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the US. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.

Ready to shape secure end-to-end payment solutions across Global Payment Solutions?

Why HSBC

HSBC is one of the largest banking and financial services organizations in the world. Guided by our purpose of opening up a world of opportunity, our ambition is to become the world’s most trusted bank globally, putting customers at the heart of everything we do.

The Opportunity

As a Solution Architect within Global Payment Solutions (GPS) you will design and assure end-to-end payment solutions that are secure, resilient, compliant and scalable. The role spans core payments capabilities including initiation, processing, orchestration, routing, confirmations, reconciliation, investigations and reporting and management information (MI). You will partner across product, engineering, operations, cybersecurity and risk to translate outcomes into practical technology designs. A key part of the role is balancing time-to-market with long-term maintainability and operational excellence. Success looks like solutions that are buildable, testable and operationally ready with clear non-functional requirements (NFRs) and design evidence. You will also help strengthen engineering maturity through governance, coaching and simplification across the Global Payment Solutions estate.

What you'll be doing

• Own solution architecture across payments platform initiatives including new capabilities, modernization, migrations, and regulatory-driven change
• Translate business requirements into designs spanning applications, data, integration, infrastructure, security, and operational processes
• Produce and maintain architecture artifacts including high-level design (HLD), low-level design (LLD), diagrams, integration flows, non-functional requirements (NFRs), runbooks and architecture decision records (ADRs)
• Design integration patterns across the payments ecosystem including application programming interface (API)-led, event-driven or message-driven and file-based approaches where required
• Establish handling for payment-specific concerns including idempotency, timeouts, retries, ordering, cutoffs, reconciliation, exception handling, and auditability
• Define and assure non-functional requirements (NFRs) covering availability, resilience, latency, throughput, disaster recovery (DR), capacity, observability, security and privacy
• Embed HSBC-aligned controls including least privilege, encryption, secrets management, logging and monitoring and vulnerability management
• Govern design through reviews and architecture forums, making trade-offs explicit and supporting delivery at pace

What we're looking for

• Bring proven solution architecture experience delivering complex, distributed systems in an enterprise environment
• Demonstrable experience delivering ISO 20022 payment solutions, including message schemas, mapping/transformation, validation, versioning, and coexistence with legacy formats during migration
• Apply demonstrable knowledge of payments architectures and/or high-throughput transactional platforms
• Use strong integration experience across application programming interfaces (APIs), messaging or event streaming and service orchestration
• Establish robust non-functional requirements (NFR) engineering across resilience, performance, capacity, disaster recovery (DR), observability, and operational readiness
• Embed security-by-design across identity and access management (IAM) concepts, threat modeling, encryption, secrets management and secure application programming interface (API) design
• Produce clear architecture artifacts and facilitate structured design reviews and governance
• Partner effectively with stakeholders and explain complex topics clearly across product, engineering, operations, cybersecurity and risk
• Apply experience modernizing legacy payments platforms and/or migrating to cloud or hybrid architectures

Architecting resilient payments at scale

This role offers the opportunity to shape how HSBC designs and delivers critical payment solutions end-to-end. You will work across teams to build secure, compliant platforms that can operate at meaningful volume with strong operational discipline and regulatory readiness. The impact is practical and visible through stronger integration, clearer non-functional requirements (NFRs) and solutions that are ready to run, ready to release. If you want to influence the direction of payments technology across Global Payment Solutions (GPS) we would like to hear from you.

As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming and inclusive work environment. You will be empowered to drive HSBC’s engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You’ll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank of the future!

Your final fixed pay offer will depend on the candidate and several variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.

All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.