[Remote] Product Architect — Financial Systems & AI-Driven Workflows

Note: The job is a remote job and is open to candidates in USA. Accion Labs is seeking a Product Architect focused on designing and governing data-intensive financial systems. The role involves defining domain models, API contracts, and scalable workflows while ensuring compliance and embedding AI capabilities in financial processes.

Responsibilities

• Own product-level architecture for financial systems — domain models, system flows, and integration patterns supporting large-scale data and transaction processing
• Define NFRs across latency, throughput, correctness, availability, operability, and security — with measurable acceptance criteria and live observability dashboards
• Design API-first and event-driven architectures enabling scalable, reliable consumption across downstream systems
• Establish data governance, auditability, and traceability standards across all financial workflows
• Coach delivery teams on contract design, observability, and data integrity best practices
• Architect solutions handling high-volume financial data, complex calculations, and multi-step workflows
• Design systems supporting compliance-heavy processes — audit trails, regulatory reporting, and reconciliation
• Define where business logic, enrichment, and validation reside — pipeline versus service layer — with idempotent processing, replay ability, and recoverability for financial transactions
• Partner with integration teams to design scalable, loosely coupled systems using event-driven patterns
• Apply AI capabilities safely for data mapping, normalisation, and anomaly detection — scoped as decision-support with human approval, never as autonomous mutation of financial data
• Design AI-assisted import workflows — covering CSV and Excel ingestion, intelligent column mapping, and multi-stage validation — with explicit evaluation criteria and safety gates that make AI assistance trustworthy, not just convenient
• Design evaluation and safety gates for all AI-assisted flows to ensure outputs are auditable, correctable, and compliant with financial governance standards
• Build rapid spikes and POCs to de-risk agent workflows, retrieval and evidence patterns, and performance assumptions; document all architectural decisions via ADRs
• Design for accuracy, consistency, and auditability of financial data across systems
• Implement governance frameworks ensuring compliance with financial regulations and internal controls
• Define reconciliation strategies, exception handling, and correction workflows
• Establish monitoring and alerting for data quality SLIs
• Build POCs and technical spikes to validate architecture decisions around data processing, workflows, and integrations
• Translate ambiguous financial and business requirements into scalable, well-documented technical designs
• Document all architectural decisions via ADRs and maintain traceability across systems

Skills

• 10+ years in software engineering with 5+ years in product or application architecture
• Strong experience in fintech or financial systems involving large-scale data processing and complex workflows
• Hands-on experience designing systems with high data volumes, transactional integrity, and compliance requirements
• Proven ability to design data models, APIs, and event-driven systems for cross-team adoption with backward compatibility
• Experience with governance, auditability, and regulatory considerations in system design
• Strong understanding of NFRs — correctness, reliability, scalability, and observability — with measurable acceptance criteria
• Ability to translate ambiguity into clear, buildable, well-documented architecture
• Bachelor's degree in Computer Science or a related field
• Domain experience in payments, banking, trading systems, billing, licensing, entitlements, or financial platforms
• Kafka / Confluent — schema governance, consumer patterns, replay strategies, and event streaming at scale
• Experience integrating ERP or financial systems (SAP or equivalent) into downstream SaaS provisioning or reporting flows
• Experience applying AI/ML for anomaly detection or data quality in controlled, auditable, human-approved loops
• Cloud experience (Azure preferred) — AKS, storage, networking, monitoring — with distributed system design
• Familiarity with Microsoft Foundry Agent Service / MAF or equivalent AI orchestration tooling

Benefits

• Accion covering 65% of the medical, dental, and Vision Premiums for employees, their spouses, and dependent children enrolling in the Accion-provided plans.

Company Overview

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