Principal Architect - Payments & Ledger

About the role

You'll own the architectural direction for money movement end to end: multi-currency wallets and balances, the core ledger, card issuing and authorisation, in-app FX, overseas transfers and payouts, treasury and pre-funding, settlement and reconciliation, and the shared platform services underneath them.

What you'll do

• The Ledger - Double-entry design, chart of accounts, sub-ledger boundaries, immutability and correction rules, multi-currency representation
• Define how we handle authorisation holds, reversals, partial and incremental captures, refunds, FX revaluation and unreconciled positions
• Money movement correctness - Idempotency, exactly-once outcomes on top of at-least-once messaging, clear state machines for every transaction type
• Card issuing - Architecture for authorisation, clearing and settlement as a Mastercard Principal Member, including real-time authorisation on the scheme's critical path
• FX and multi-currency wallets - Rate sourcing, quoting and rate locking, spread and exposure management, in-app currency exchange across our wallet currencies

What you need

• Reconciliation
• AML
• Design systems
• KYC
• Treasury
• Any graduate