Payments Solution Architect E3

As a Payments Solution Architect, you’ll work as part of a multi-disciplinary architecture team, supporting Payments strategic programmes and value stream initiatives to shape and assure the technical direction for Nationwide’s Payments systems. We’re looking for someone with an established track record of architecting solutions, practical delivery experience, sound judgement and applied knowledge of the payments domain.

This role sits within the Payments Architecture team in Customer Technology Delivery, aligned to the Payments Chief Information Office. The team is responsible for defining the Payments technical roadmap, shaping solution options and ensuring the deliverables align to that roadmap, enterprise guardrails and relevant industry standards.

We are happy to consider flexible working approaches to help you perform at your best.

At Nationwide we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.

For this job you'll spend at least two days per week, or if part time you'll spend 40% of your working time, based at either our Swindon, London or Glasgow office. If you’re based at our Glasgow office, this will apply from 1 April 2027 and ahead of that there will be a need to regularly connect with colleagues for collaboration events. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here.

Whilst these locations are where we are primarily looking to fill the role, if you’re an internal applicant based in a different location we would welcome your application and if successful, your hiring manager will provide further details on how this could work for this specific role. You can also find out more about our approach to hybrid working here.

Nationwide is committed to the redeployment of our employees impacted by change, as such applications for redeployment candidates will be prioritised in this recruitment process.

If you’re a colleague on long-term absence (for example, on parental leave) or a temporary worker, please use your personal email address to submit an application.

What you’ll be doing

This is an excellent opportunity to join the Payments Architecture team at a time of meaningful change, helping to shape practical, resilient and future-ready solutions. You will bring a broad base of solution architecture experience, together with hands-on understanding of payments schemes, standards, processes and technologies.

You’ll be a key part of the Payments Architecture team, supporting the Payments change portfolio by working alongside Payments feature teams, product and delivery colleagues, engineers, vendors, partners and architects from across Nationwide.

The role includes providing practical architecture advice on strategic technology issues, setting out clear options, trade-offs and recommendations so that change initiatives and sponsors can make informed decisions.

About you

As a minimum requirement, you’ll have:

• Experience applying architecture thinking to real payments change, balancing strategy, delivery, resilience, regulation and member outcomes

• Experience designing and delivering payments solutions in a UK financial services organisation or similarly regulated environment

• Applying practical knowledge of payment schemes, standards and end-to-end processing across some or all of Faster Payments, Bacs, CHAPS, international payments, debit and credit cards, ATMs and Open Banking

• Producing and assuring solution designs for large-scale technical change, including logical architecture, integration, data flows, non-functional requirements and operational considerations

• Working with payments technologies and platforms, including payment gateways, payment engines, APIs, message flows, third-party services, SaaS/PaaS capabilities, bespoke software and commercial off-the-shelf packages

• Applying payments standards and industry change, such as ISO 20022, scheme rule changes, message standards, settlement, reconciliation, exception handling and operational resilience considerations

• Providing architecture guidance to engineers and delivery teams, helping them create fit-for-purpose artefacts that meet business needs, technology strategy and governance expectations

Our customer first behaviours put customers and members at the heart of how we work together. They are the set of behaviours that every colleague needs to display, in every role:

• Feel what customers feel - We step into our customers’ shoes, using their feedback and insights to empathise with them and to understand their needs, so that every decision we make starts and finishes with our customers in mind

• Say it straight - We are brave in speaking out and saying what we think – we’re honest and direct with good intent, openly sharing diverse perspectives to reach the best conclusions and using language everyone can understand

• Push for better - We don’t settle for mediocrity, we challenge the status quo, taking responsibility for continuous improvement and personal development

• Get it done - We prioritise what will have the greatest impact, we are decisive, and we take accountability for delivering brilliant customer outcomes

You can strengthen your application by showing how our customer first behaviours resonate with you, and where you may have already demonstrated these.

The extras you’ll get

There are all sorts of employee benefits available at Nationwide, including:

• 25 days holiday, pro rata

• Private medical insurance

• A highly competitive pension to help you build a strong foundation for retirement

• Access to an annual performance-related bonus

• Training and development to help you progress your career

• A great selection of additional benefits through our salary sacrifice scheme

• Life assurance to provide peace of mind for you and your loved ones in the event of your death

• Wellhub – access to a range of free and paid options for health and wellness

• Up to 2 days of paid volunteering a year

Banking – but fairer, more rewarding, and for the good of society

We forge our own path at Nationwide.

As a mutual, we’re owned by our members - those customers who bank, save or have a mortgage with us. We challenge the financial sector status quo. We don’t see customers as the engine of our own profit. We share our profits with them and put their needs first. Always there when they need us. Supporting them and their lives.

If you’re inspired by fairer finances, passionate about making a meaningful impact, and truly care about our customers, you’re one of us.

At Nationwide, you are challenged to grow and rewarded for doing so. Valued. Recognised. Inspired to be your best. As a community, we want our working lives to count. As a team, we celebrate what we achieve. As a standard-setter, we work for the good of customers, communities, and broader society.

We are purpose-driven. Uncompromisingly customer. Unstoppably Nationwide.

What to do next

If this role is for you, please click the ‘Apply Now’ button. You’ll need to attach your up-to-date CV and answer a few quick questions for us.

We respond to everyone, so we will be in contact shortly after the closing date to let you know the outcome of your application.

Keeping your data and personal information confidential is important to us. To find out more about how we use and process your data, please read our Privacy policy.

If you want to find out more about using AI in our recruitment process, please read more here.

Disability Confident

We’re not just guided by data, we’re driven by the real experiences of our people. We’re a Disability Confident Level 3 Leader, the highest level.

That’s why we’re constantly evolving our policies and practices to make sure everyone feels genuinely supported, valued, and empowered to champion inclusion. Whatever your needs, we’re here to support you. If you need any additional support throughout your application journey, email our team at Recruitment Support.

Apply safely with Nationwide

Recruitment scams can look convincing, so take a moment to check the role is listed on our official careers site and read our guidance on Don’t be conned by a job scam.

The hiring manager for this role is Ruud Schoonderwoerd, and the main recruitment contact is Ashley Dodds.

Please note that should you be successful in securing this role, the job title on our internal systems will be EN03 - Engineer E3.