Senior Architect, Software Engineering

Position location: Austin, TX

In this role, you are responsible for leading the design and delivery of scalable, secure, cloud-native solutions across digital banking, wallets, cards, and payment platforms. This role combines hands-on technical leadership with domain expertise to translate complex business requirements into robust architectural solutions, while mentoring teams and driving engineering excellence.

Role Responsibilities

Solution Architecture & Design

Lead the end-to-end solution design for digital banking, wallet, card issuing/processing, and payment systems.

Define cloud-native architectures on AWS, leveraging managed services for scalability, resiliency, and security.

Design API-first, event-driven architectures supporting real-time and batch payment flows.

Ensure clear separation between channels, orchestration, domain services, ledger, and settlement systems.

Review and approve solution designs to ensure alignment with enterprise architecture, security, and compliance standards.

Banking & Payments Domain Expertise

Apply strong domain knowledge across:

Digital Banking platforms

Wallets and stored-value systems

Card issuing, authorization, clearing, and settlement

Domestic and cross-border payment rails

Design solutions that address funds availability, settlement finality, reconciliation, and accounting.

Ensure architectures support regulations, compliance, and audit requirements across regions.

Collaborate with Risk, Compliance, and Operations to embed controls, traceability, and auditability into solutions.

Role Requirements

Master’s degree with 8+ years or bachelor’s degree in computer science or related fields with 10+ years of banking, fintech, or payments technology. Equivalent work experience in lieu of degree in banking, fintech, or payment technology.

Proven experience across Core banking, Digital Banking, Wallets, Cards, or Payments architecture.

Strong understanding of banking as a service, payment lifecycles, ledgering, settlement, and reconciliation.

Experience working in regulated environments with compliance and audit requirements.

Strong hands-on experience with AWS Cloud, including services such as:

Compute (EC2, ECS/EKS, Lambda)

API & Integration (API Gateway, EventBridge, SQS, SNS)

Data (RDS, PGSql, DynamoDB etc)

Security & Monitoring (IAM, CloudWatch, CloudTrail)

Deep experience designing API-driven and event-based systems.

Strong understanding of distributed systems, scalability, and resiliency patterns.

Experience with CI/CD pipelines and infrastructure-as-code.

Preferred Qualifications

Experience with real-time payment systems and local payment rails.

Exposure to cross-border payments and multi-currency systems.

AWS certifications (Solutions Architect or equivalent).

Experience modernizing legacy banking or payment platforms.

Applicants must be currently authorized to work in the United States on a full-time basis. Western Union will not sponsor applicants for work visas for this position.

Work Shift

HYBRID - Western Union values in-person collaboration, problem solving, and ideation whenever possible. We believe this fosters common ways of working and supports how we execute initiatives for our customers. The expectation is to work from the office a minimum of three days a week.

Benefits

You will also have access to short-term incentives, multiple health insurance options, accident and life insurance, and access to best-in-class development platforms, to name a few

(https://careers.westernunion.com/global-benefits/). Please see the location-specific benefits below and note that your Recruiter may share additional role-specific benefits during your interview process or in an offer of employment.

Your United States – Specific Benefits Include

Paid Time Off

Medical, Dental and Life Insurance

Tuition Assistance Program

Student Loan Repayment (below manager level only)

Parental Leave

One day volunteer time off

$0 Money Transfer Fee Discount Code – Quarterly

Recognition Program “Game Changers”

Employee Discount Program

Global Adoption Assistance

Global Scholarship Awards Program

401K plan

For residents of Colorado, California, Connecticut, Delaware, Minnesota, and Pennsylvania: Please do not respond to any questions on this initial application that may seek age-identifying information such as age, date of birth, or dates of school attendance or graduation. You may also redact this information from any materials you submit during the application process. You will not be penalized for redacting or removing this information.

Salary

Annual base salary range is $150,000 – 195,000 USD per year. Total on-target compensation includes a base salary, and both short-term and long-term incentives that align with individual and company performance. Actual salaries will vary based on candidates’ qualifications, skills, and competencies.

As part of the application process, all applicants are required to take assessments. Western Union has partnered with a 3rd party provider to administer these tests. Applicants will need to provide their name and email address in order to process the assessments. If you have any questions, you may reach out to [email protected].

We are passionate about honoring our employee's identity and fostering a feeling of belonging. Our commitment is to provide an inclusive culture that celebrates the unique backgrounds and perspectives of our global teams while reflecting the communities we serve. We do not discriminate based on race, color, national origin, religion, political affiliation, sex (including pregnancy), sexual orientation, gender identity, age, disability, marital status, or veteran status. The company will provide accommodation to applicants, including those with disabilities, during the recruitment process, following applicable laws.

Estimated Job Posting End Date:

08-31-2026

This application window is a good-faith estimate of the time that this posting will remain open. This posting will be promptly updated if the deadline is extended or the role is filled.