Current Accounts Jr. Architect

Join a leading Banking and Financial service provider as a Current Accounts Jr. Architect!

Job Overview:Expertise in Current Accounts, specifically Packaged Accounts / Paid-for Accounts, who has worked on large-scale UK retail banking platforms such as Nationwide, Santander, Lloyds, or similar Tier-1 banks. The ideal candidate brings end-to-end architecture experience across customer onboarding, eligibility, benefits management, charging, servicing, and account lifecycle scenarios. The role requires domain knowledge, solution design capability, and hands-on engagement with engineering and product teams across a multi-platform environment.

Location: Knutsford

Rate: In-scope IR35 £495 per day (via a Hays Approved Umbrella Company).

Contract Duration: 31/12/2026

Work Schedule: 2-3 days on-site/week

Key Responsibilities

Architecture and solution design for Current Account and Packaged Account journeys across origination, servicing, charging, and account maintenance

Creation of high-level and low-level architecture artefacts aligned with barclays enterprise architecture standards

Collaboration with Product Owners, Business Analysts, Engineering Leads, and Platform SMEs to define functional and non-functional requirements

Modernisation of legacy account platforms into strategic target systems and reusable APIs

Review of existing architectures with recommendations to improve scalability, performance, resilience, and regulatory compliance

Support for regulatory and compliance initiatives, including FCA requirements, packaged account suitability, disclosures, and fee-related rules

Provision of architectural governance, ensuring adherence to security, data, integration, and technology standards

Partnership with upstream and downstream platforms including payments, statements, digital channels, fraud/risk, and customer communications

Guidance to engineering teams during build and delivery phases to ensure alignment with approved architectural intent

Experience & Expertise

Extensive experience in banking technology, with 3+ years operating in architecture-focused roles.

Deep domain expertise in Current Accounts, including

Packaged and paid-for accounts

Monthly charging models

Customer benefit eligibility

Account lifecycle management

Overdrafts, mandates, and account switching (CASS)

Banking Platforms & Transformations

Proven experience working with major UK retail banking platforms, such as Nationwide, Santander, Lloyds, HSBC, and RBS/NatWest.

Strong track record of delivering large-scale transformation programmes, covering:

Core banking platforms

Customer onboarding solutions

Account servicing and digital channels

API-led and service-based integrations

Architecture & Delivery

Skilled at translating business requirements into scalable, resilient, and secure architectural solutions.

Solid understanding of modern architectural approaches, including

Microservices-based architectures

Event-driven design

Cloud-native principles (nice to have, subject to client's technology context)

Experienced in Agile delivery environments, collaborating closely with cross-functional squads.

Stakeholder Engagement

Strong communication and influencing skills, with the ability to articulate architectural decisions, manage trade-offs, and engage effectively with senior stakeholders.

Nice to Have

Prior exposure to client platforms, processes, or architecture frameworks.

Experience with regulatory, compliance, and financial crime considerations relevant to retail banking products.

Understanding of UK packaged account frameworks, including integrations for services such as travel insurance and breakdown cover.

Additional Information

Interview Process: In Person / Teams

How to Apply:If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call us now.If this job isn't quite right for you, but you are looking for a new position, please contact us for a confidential discussion about your career.

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