Job Description: We are seeking a Payments SME/Solution Architect with strong expertise in payment system architecture, clearing mechanisms, and business analysis. The ideal candidate should have experience in SEPA (SCT and Instant), Faster Payment, ISO 20022, SWIFT messaging (MT/MX), and domestic/cross-border payments. This role requires both technical leadership and business analysis proficiency, ensuring seamless design and implementation of payment solutions while engaging with regulators, payment schemes, and internal stakeholders. Key Responsibilities: Architect and design payment solutions aligned with global standards, including SEPA SCT/Instant, Faster Payment, and TARGET2. Lead business analysis activities, including functional requirement gathering, solution documentation, and process reengineering. Lead ISO 20022 migration projects, ensuring alignment with SWIFT MX and GPI standards. Collaborate with regulators and payment schemes to facilitate direct or indirect participation in payment networks. Conduct gap analysis and requirement validation to ensure completeness and accuracy in payment system implementations. Drive payment system modernization initiatives, including real-time payment processing, accelerated settlements, and API-based payment integrations. Required Skills and Experience: 15+ years of experience in Payment Architecture, Solution Design, and Business Analysis within the banking or fintech sector. Expertise in SEPA SCT and Instant, Faster