Principal Architect, FinTech Platforms

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Job Overview

Are you ready to build the future of consumer financial services with the Un-carrier?

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 T-Mobile'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 T-Mobile.

We are a team that encourages innovation and advocates an agile and open approach, truly working and playing in the Un-carrier way

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 FinTech trends and platform roadmaps—ensuring T-Mobile 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

DOT Regulated:

DOT Regulated Position: No

Safety Sensitive Position:

Safety Sensitive Position: 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 T-Mobile, 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.

Never stop growing

As part of the T-Mobile team, you know the Un-carrier doesn't have a corporate ladder–it's more like a jungle gym of possibilities We love helping our employees grow in their careers, because it's that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity, you're living our values while investing in your career growth–and we applaud it. You're unstoppable

T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, ethnicity, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, religious affiliation, marital status, citizenship status, veteran status, the presence of any physical or mental disability, or any other status or characteristic protected by federal, state, or local law. Discrimination, retaliation or harassment based upon any of these factors is wholly inconsistent with how we do business and will not be tolerated.

Talent comes in all forms at the Un-carrier. If you are an individual with a disability and need reasonable accommodation at any point in the application or interview process, please let us know by emailing -mobile.com or calling 1-844-873-9500. Please note, this contact channel is not a means to apply for or inquire about a position and we are unable to respond to non-accommodation related requests.