Lead Full Stack Engineer Payments Architecture

Job Summary

Join Standard Chartered as a Principal Engineer having 10+ years of experience and take on the excellent opportunity to provide end-to-end technical leadership for Payment Transaction Remediation (PTR) across our diverse payments platform workstreams.

This pivotal role engages with Workstreams 1 through 5, driving innovation and architectural integrity within a complex, cross-market environment that spans 22 markets and incorporates six distinct payment rails. You will be entrusted with owning critical architecture decisions, specifically focusing on the remediation scopes within Workstream 2 releases 5 to 10 and the anomaly detection systems in Workstream 4.

As a seasoned professional, you will ensure that all delivery efforts are technically executable, risk-managed, and aligned consistently across multiple geographies and technologies.This is a strategic role requiring a blend of technical expertise, leadership acumen, and an acute understanding of payments domain architecture to influence long-term technology roadmaps and stabilisation strategies within a regulated banking landscape.

Key Responsibilities

• Individual Contributor role with cross-squad technical authority (no direct line management).
• Define target-state architecture, design principles, and technical guardrails for PTR delivery.
• Unblock WS2 R5-R10 with implementation-ready designs for service consolidation, atomicity, idempotency, and per-market isolation.
• Lead WS4 multi-attribute anomaly detection design (Velocity, Value, Behaviour, Beneficiary) with business and risk stakeholders.
• Govern cross-workstream design quality to prevent architectural drift and control gaps.
• Translate approved architecture into clear delivery sequencing, dependencies, and technical decision records.
• Provide technical assurance inputs for production readiness, resilience, and control effectiveness in a BC5/S-BIA5 environment.
• Solving high-impact reliability and control problems in mission-critical payment systems. Driving measurable stability and risk reduction across a multi-market platform.
• Converting complex architecture into practical delivery outcomes at pace.
• Driving measurable stability and risk reduction across a multi-market platform
  
  

Skills And Experience

Must-have Skills

• Payments Domain Architecture and Knowledge
• Full Stack Developer with strong focus in Backend Development and APIs
• Java / GoLang / Messaging / DB
• ADO/Confluence/Pipeline
• Distributed Systems Reliability (Atomicity, Idempotency, Consistency)
• Service Decomposition and Integration Architecture
  
  

Other Skills

• Stakeholder Management (Business, Risk, Ops, Engineering)
• Reliability Engineering and Incident Pattern Analysis.
• Architecture-to-Backlog Translation
• Data-led Anomaly Detection Solution Design
  
  

Qualifications

Key Experiences

• 10+ years of work experience
• Led architecture/design for enterprise-scale payment platforms in regulated banking.
• Delivered reliability remediation in live brownfield transaction systems.
• Worked across multiple payment rails and cross-border market constraints.
  
  

Certifications / Qualifications

• Degree in Computer Science, Engineering, or equivalent practical experience.
• Architecture/payments certifications preferred.
  
  

Languages

• Fluency in English
  
  

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together We

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
  
  

What We Offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

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