Principal Architect, Payment & Fraud Systems

At T-Mobile, we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees!

Are you ready to join the Un-carrier movement?

The Principal Systems Architect crafts scalable, secure, and high-performance payment and fraud management solutions. This role focuses on payment processing, in-house tokenization, fraud detection, and risk mitigation across e-commerce, in-store, and mobile channels. The architect defines and maintains architecture, technology standards, and best methodologies for real-time transaction processing, middleware, and databases, encompassing both in-house development and third-party integrations. They provide leadership to project teams, ensuring compliance with industry standards, regulatory requirements, and internal practices. Additionally, the architect evaluates and recommends emerging payment technologies, fraud prevention techniques, and sophisticated security measures to improve the overall platform's resilience and efficiency.

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 :

• Help define software development processes and ensure alignment to security, compliance, and scalability methodologies for payment and fraud platforms.
• Stay up to date with emerging payment technologies, as well as fraud detection strategies, and regulatory requirements to continuously contribute to improvement of platform capabilities.
• Understand the business processes on assigned projects, particularly those related to payment acceptance, transaction routing, chargebacks, and fraud prevention.
• Accomplish organizational goals by accepting ownership for accomplishing new and different requests; explore opportunities to contribute to job accomplishments.
• Translate business requirements into technical requirements and assist other team members in implementing the solution.
• Design and implement real-time transaction refinement solutions that ensure high availability, reliability, and security.
• Provide architectural oversight for payment tokenization, fraud scoring models, and risk mitigation strategies across multiple channels.
• Collaborate with engineering, product management, security, and compliance teams to ensure flawless integration of payment and fraud technologies.
• Lead proof-of-concept (PoC) initiatives to assess new fraud detection techniques, machine learning models, or payment orchestration improvements.
• Optimize payment processing workflows to improve customer experience while maintaining fraud controls and cost efficiency.
• Ensure PCI compliance, data encryption, and secure API integrations for all payment and fraud-related systems.
• Develop and maintain high-level architecture diagrams, user documentation, and standard process guidelines for enterprise-wide reference.
• Provide direct technical evaluation of third-party products for inclusion in T-Mobile solutions.

Experience Needed :

7-10 years of experience :

5+ years of experience :

4-7 years of experience :

Education :

Licenses and Certifications :

Travel :

Travel Required (Yes / No) : Yes

DOT Regulated :

DOT Regulated Position (Yes / No) : No

Safety Sensitive Position (Yes / No) : 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. To find the pay range for this role based on hiring location, click here .

At T-Mobile, our benefits exemplify the spirit of One Team, Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases, offering medical, dental and vision insurance, a flexible spending account, 401(k), employee stock grants, employee stock purchase plan, paid time off and up to 12 paid holidays - which total about 4 weeks for new full-time employees and about 2.5 weeks for new part-time employees annually - paid parental and family leave, family building benefits, back-up care, enhanced family support, childcare subsidy, tuition assistance, college coaching, short- and long-term disability, voluntary AD&D coverage, voluntary accident coverage, voluntary life insurance, voluntary disability insurance, and voluntary long-term care insurance. We don't stop there - eligible employees can also receive mobile service & home internet discounts, pet insurance, and access to commuter and transit programs! To learn about T-Mobile’s amazing benefits, check out www.t-mobilebenefits.com .

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 ApplicantAccommodation@t-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.