[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.ResponsibilitiesOwn product-level architecture for financial systems — domain models, system flows, and integration patterns supporting large-scale data and transaction processingDefine NFRs across latency, throughput, correctness, availability, operability, and security — with measurable acceptance criteria and live observability dashboardsDesign API-first and event-driven architectures enabling scalable, reliable consumption across downstream systemsEstablish data governance, auditability, and traceability standards across all financial workflowsCoach delivery teams on contract design, observability, and data integrity best practicesArchitect solutions handling high-volume financial data, complex calculations, and multi-step workflowsDesign systems supporting compliance-heavy processes — audit trails, regulatory reporting, and reconciliationDefine where business logic, enrichment, and validation reside — pipeline versus service layer — with idempotent processing, replay ability, and recoverability for financial transactionsPartner with integration teams to design scalable, loosely coupled systems using event-driven patternsApply AI capabilities safely for data mapping, normalisation, and anomaly detection — scoped as decision-support with human approval, never as autonomous mutation of financial dataDesign 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 convenientDesign evaluation and safety gates for all AI-assisted flows to ensure outputs are auditable, correctable, and compliant with financial governance standardsBuild rapid spikes and POCs to de-risk agent workflows, retrieval and evidence patterns, and performance assumptions; document all architectural decisions via ADRsDesign for accuracy, consistency, and auditability of financial data across systemsImplement governance frameworks ensuring compliance with financial regulations and internal controlsDefine reconciliation strategies, exception handling, and correction workflowsEstablish monitoring and alerting for data quality SLIsBuild POCs and technical spikes to validate architecture decisions around data processing, workflows, and integrationsTranslate ambiguous financial and business requirements into scalable, well-documented technical designsDocument all architectural decisions via ADRs and maintain traceability across systemsSkills10+ years in software engineering with 5+ years in product or application architectureStrong experience in fintech or financial systems involving large-scale data processing and complex workflowsHands-on experience designing systems with high data volumes, transactional integrity, and compliance requirementsProven ability to design data models, APIs, and event-driven systems for cross-team adoption with backward compatibilityExperience with governance, auditability, and regulatory considerations in system designStrong understanding of NFRs — correctness, reliability, scalability, and observability — with measurable acceptance criteriaAbility to translate ambiguity into clear, buildable, well-documented architectureBachelor's degree in Computer Science or a related fieldDomain experience in payments, banking, trading systems, billing, licensing, entitlements, or financial platformsKafka / Confluent — schema governance, consumer patterns, replay strategies, and event streaming at scaleExperience integrating ERP or financial systems (SAP or equivalent) into downstream SaaS provisioning or reporting flowsExperience applying AI/ML for anomaly detection or data quality in controlled, auditable, human-approved loopsCloud experience (Azure preferred) — AKS, storage, networking, monitoring — with distributed system designFamiliarity with Microsoft Foundry Agent Service / MAF or equivalent AI orchestration toolingBenefitsAccion covering 65% of the medical, dental, and Vision Premiums for employees, their spouses, and dependent children enrolling in the Accion-provided plans.Company OverviewAccion Labs is a global services technology firm focused on building and transforming software products through emerging technologies. It was founded in 2011, and is headquartered in Bridgeville, Pennsylvania, USA, with a workforce of 1001-5000 employees. Its website is https://www.accionlabs.com/.Company H1B SponsorshipAccion Labs has a track record of offering H1B sponsorships, with 4 in 2026, 9 in 2025, 10 in 2024, 29 in 2023, 23 in 2022, 25 in 2021, 48 in 2020. Please note that this does not guarantee sponsorship for this specific role.