Note: The job is a remote job and is open to candidates in USA. Accion Labs is seeking a Product Architect with expertise in Financial Systems and AI-Driven Workflows. This hands-on role involves designing and governing data-intensive financial systems, ensuring accuracy, compliance, and the integration of AI capabilities into workflows.
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, replayability, 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
- Scalable architecture supporting high-volume financial data and complex workflows delivered and adopted across teams
- Measurable improvements in data accuracy, processing reliability, and system performance
- Domain models and contracts adopted by multiple downstream systems without breaking changes
- AI-assisted workflows operational with measurable accuracy, human-approved safety gates, and audit-ready outputs
- Robust audit, reconciliation, and recovery mechanisms in place with live observability dashboards
Skills
- 8+ years in software engineering with 3+ 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
- 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
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