Company Description

Empower Australia’s Payments Future with Cuscal

At Cuscal, your skills drive change and make a real impact. Whether you’re supporting our clients’ customers in our Fraud Operations Contact Centre or delivering innovative solutions in Product Delivery, your contribution helps shape the payments industry’s future.

Join a team that values collaboration, innovation and excellence. With a focus on professional growth and flexibility, Cuscal is where you can thrive.

Forward with Cuscal.

Job Description

Your Opportunity

We’re looking for a Solution Architect to join our Core Services team within Enterprise Technology Services.

Our Core Services domain sits at the centre of this ecosystem. We own the foundational platforms that enable payment processing, settlement, file exchange, and reporting, supporting over 40 critical applications used across the business.

If you’re passionate about designing architecture for high-volume, real-time financial systems, this is your opportunity to shape the core of how money moves.

In this role, you’ll design and evolve the architecture that underpins Cuscal’s core banking and payments capabilities ensuring our platforms are scalable, resilient, secure, and ready for the future of real-time payments.

Your work will directly impact mission-critical systems used by millions of Australians, where performance, reliability, and regulatory compliance are paramount.

You'll also make an impact by:

Design Core Payment & Banking Architecture

• Develop solution architectures for core services including payments processing, settlement, reconciliation, and file exchange
• Translate business and technical requirements into robust architectural blueprints, including NFRs such as availability, DR, and security
• Ensure alignment with enterprise strategies across API, cloud, and cyber security

Enable Modernisation of Core Platforms

• Drive the evolution of legacy core systems into modern, API-driven and cloud-enabled architectures
• Define roadmaps that transition platforms from current to future state while maintaining always-on service stability
• Support integration across payment rails (e.g. real-time payments, card, and account-based systems)

Own Architecture Across Complex, Shared Services

• Work across a highly interconnected domain that links multiple product areas and shared capabilities
• Ensure consistency, interoperability, and reuse across solutions in a landscape of 40+ applications
• Act as a trusted advisor to Product, Engineering, and Risk teams on architecture decisions

Optimise and Future-Proof the Platform

• Assess current technology landscape to identify risks, inefficiencies, and opportunities for uplift
• Stay ahead of payments industry trends (e.g. NPP, ISO20022, real-time processing) to guide design decisions
• Support vendor selection, lifecycle management, and strategic technology choices

Qualifications

What you’ll bring

To succeed in this role, you’ll have:

• Experience as a Solution Architect in core banking, payments, or financial services
• Strong understanding of high-availability, real-time transaction systems
• Proven ability to define solution architecture and influence stakeholders
• Experience with APIs, integration patterns, and distributed systems
• Solid knowledge of AWS cloud (PaaS/IaaS), security, and infrastructure
• Experience delivering solutions in Agile environments
• Ability to balance innovation with risk, compliance, and resilience

You’ll stand out from the crowd if you have some of the following:

• Experience with payments systems and standards (ISO20022, ISO8583, BECS, etc.)
• Familiarity with NPP, cards, clearing & settlement
• Background in software engineering

Additional Information

Why Cuscal?

At Cuscal, you’ll find a strong, successful company that’s reimagining the future. And our team is right there at the heart of it all.

Here, you’ll deliver or support interesting, ground-breaking work that has real impact - on Australia’s financial services sector and the millions of customers it serves.

You’ll innovate alongside skilled, smart, connected teams.

And you’ll build an impressive, fulfilling career that continues to grow.

You’ll also enjoy a range of benefits, including:

• Recognition and growth: Celebrate achievements through IGNITE and grow with tailored development opportunities.
• Wellbeing focus: Access initiatives supporting physical, mental, and financial health, plus discounts via ‘Cuscal Advantage.’
• Diversity and inclusion: Join a workplace that values different perspectives and flexible work arrangements.

Join us and reimagine the future

Ready to make an impact? Click APPLY to join Cuscal today.

If you’re excited about this opportunity, we’d love to explore how you can contribute to our vision for the future. Screening and interviews may occur before the job ad closing date, so don’t wait - apply now.

Cuscal is an equal opportunity employer committed to an equitable, diverse, and socially inclusive work environment and a positive, barrier-free recruitment process.

We welcome applicants from an Aboriginal and Torres Strait Islander heritage, people living with a disability, LGBTQIA+ and people from culturally diverse backgrounds to explore career opportunities with Cuscal.

Note: Cuscal does not accept unsolicited resumes from recruitment agencies or search firms.