Open Finance Lead API Enterprise Architect in Toronto

Lead the enterprise Open Banking and Open Finance architecture strategy, roadmap, governance, and delivery, ensuring alignment with business objectives, regulatory requirements, and technology modernization initiatives.

Define and maintain global Open Banking reference architectures, API standards, data models, and implementation patterns aligned with regulatory standards.

Architect secure customer-permissioned data sharing, payment initiation, and third-party ecosystem integrations leveraging OAuth 2.0, OpenID Connect, FAPI, PKCE, mTLS, strong customer authentication, and modern API security practices.

Lead the architecture of real-time, domestic, and cross-border payment capabilities, ensuring alignment with ISO 20022 and enterprise payment platforms.

Translate business, regulatory, privacy, risk, and security requirements into scalable, resilient, cloud-native API and integration architectures.

Provide architectural leadership and governance across product, engineering, cybersecurity, identity, data, payments, operations, compliance, legal, and vendor organizations throughout the solution lifecycle.

Establish enterprise API and microservices architecture principles, standards, roadmaps, taxonomies, and reusable assets to accelerate digital transformation and modernization.

Serve as a trusted advisor to senior executives, regulators, and industry partners on Open Banking, Open Finance, API, payments, cloud, and security strategies.

Evaluate emerging technologies, platforms, and industry trends, developing proofs of concept and strategic recommendations to advance the organization's Open Finance capabilities.

Represent the organization in industry forums, standards bodies, and working groups, leading discussions and contributing to the development and evolution of Open Banking, Open Finance, API, FDX, payment, and security standards.

Qualifications:

• 15+ years of technology experience, including 10+ years in enterprise, application, or solution architecture within financial services.
• Proven lead architect experience delivering Open Banking, Open Finance, API, and payment solutions in regulated financial institutions.
• Deep knowledge of global Open Banking standards, including UK Open Banking, Australia CDR, Brazil Open Finance, PSD2/PSD3, Berlin Group, FDX, and emerging industry frameworks.
• Hands-on implementation experience with FDX, ISO 20022, payment initiation, real-time payments, clearing, settlement, and enterprise payment platforms.
• Expert knowledge of API security, including OAuth 2.0, OpenID Connect, FAPI, PKCE, mTLS, private key JWT, consent management, and strong customer authentication.
• Proven cloud and security architecture experience across Azure, AWS, or Google Cloud, including API gateways, Kubernetes, IAM, Zero Trust, encryption, observability, CI/CD, and threat modeling.
• Strong expertise in API, microservices, event-driven architecture, integration patterns, API management platforms, and modern engineering practices.
• Experience defining enterprise architecture standards, reference architectures, data models, governance frameworks, and technology roadmaps.
• Strong technical background with software development experience in modern programming languages and cloud-native technologies.
• Active participation in industry standards bodies and working groups, contributing to the development and evolution of Open Banking, Open Finance, FDX, payment, and API security standards.
• Recognized technology leader with strong executive communication, stakeholder management, vendor management, influence, problem-solving, and cross-functional leadership skills.
• Demonstrated ability to lead large-scale transformation initiatives, modernize legacy platforms, and drive innovation across complex enterprise environments.