---
title: 'Principal Payments Architect at Capco'
canonical: 'https://feeny.ai/job/principal-payments-architect-capco-london-bfgsptvjz5z7'
type: 'job'
last_seen: '2026-09-07'
---

# Principal Payments Architect at Capco

- **Company:** Capco
- **Location:** London, United Kingdom
- **Posted:** 2026-03-12
- **Last confirmed live:** 2026-09-07
- **Apply:** https://job-boards.greenhouse.io/capco/jobs/7712952

## Job description

Principal Payments Architect

Location: London (Hybrid) | Practice Area: Technology & Engineering | Type: Permanent

Lead innovative payments transformation across financial services.

## About Capco

Capco is a global leader in technology and business consulting, dedicated to driving digital innovation and transformation in financial services. We’ve partnered with over 100 clients worldwide - from pioneering FinTech's to established global institutions - helping them adapt, compete, and scale in a rapidly evolving industry. With more than 30 offices globally, we combine deep expertise in banking, payments, capital markets, insurance, wealth and asset management, and energy with an agile, inclusive, and entrepreneurial culture.

## Role Overview

You will play a central role in shaping and delivering some of our clients' most critical payments transformation programmes, applying your expertise in enterprise and solution architecture alongside your deep knowledge of payments. You will help modernise core payment platforms and enable new digital payment capabilities while guiding clients through complex regulatory, operational, and technology change. Your work will influence how banks and financial institutions build, operate, and innovate across domestic and international payment ecosystems.

Working closely with engineers, you will design scalable and resilient payment solutions while helping senior stakeholders shape long-term payments strategies and investment decisions. You will also lead high-performing teams, mentor junior technologists, and contribute to the growth of our Technology & Engineering Practice through thought leadership, community engagement, and supporting new client opportunities. You'll be encouraged to adopt approved AI-enabled tools and automation to enhance architecture design, accelerate analysis, improve documentation quality and support more informed decision-making, while applying appropriate human judgement, governance and responsible AI principles.

## What You'll Do

- Lead the architecture and modernisation of complex payment platforms across domestic, international, real-time, on-us and card payment ecosystems, delivering scalable, resilient and secure solutions.
- Define payments technology strategies, target architectures and transformation roadmaps while working closely with business, engineering and delivery teams to guide implementation and investment decisions.
- Apply modern architecture practices including microservices, event-driven design, cloud-native technologies and DevOps, leveraging approved AI-enabled workflows where appropriate to improve productivity, design quality and delivery outcomes while maintaining human oversight.
- Build trusted relationships with senior client stakeholders, mentor technical teams and contribute to Capco's Technology & Engineering community through thought leadership and business development.
- Ensure architectural decisions align with regulatory requirements, security, resilience, governance and responsible AI principles where AI-enabled capabilities form part of the solution landscape.

Required Experience

- Proven experience designing or modernising payment platforms across Faster Payments, Bacs, CHAPS, SWIFT, SEPA, Open Banking, ISO 20022 and related payment ecosystems.
- Deep expertise in enterprise and solution architecture, distributed systems, cloud technologies, modern engineering practices and recognised frameworks such as TOGAF and Domain-Driven Design.
- Strong consulting, stakeholder management and leadership experience with the ability to influence senior technology and business decision-makers.
- Experience delivering large-scale payments transformation programmes using agile delivery methodologies and modern engineering practices.
- A curiosity for AI-enabled ways of working and an understanding of how approved AI tools, automation and responsible AI governance can improve architectural delivery while maintaining appropriate review, auditability and human judgement.

Bonus Points For

- Senior consulting experience delivering large-scale payments transformation programmes.
- Experience leading pre-sales engagements, proposals and commercial estimates.
- Awareness of emerging technologies including digital wallets, tokenisation, embedded finance and AI (including Generative AI and Agentic AI), AI-driven fraud detection and intelligent automation within payment ecosystems.
- Knowledge of financial crime, AML controls, payment fraud prevention and security architecture.
- Exposure to international payment ecosystems and relevant architecture or cloud certifications such as TOGAF or AWS.

Why Join Capco?

At Capco, you’ll be part of a collaborative, entrepreneurial, and inclusive culture working with Tier 1 financial services enterprises on impactful and enriching projects. We offer a competitive, people-first benefits package to support your growth as both a technologist and a consultant.

Our benefits include:

- Core benefits: discretionary bonus, competitive pension, health and dental insurance, life insurance, and critical illness cover.
- Mental health: access to CareFirst, Unmind, Aviva consultations, and in-house first aiders.
- Family-friendly: maternity, adoption, shared parental leave, plus paid leave for sickness, pregnancy loss, fertility treatment, menopause, and bereavement.
- Family care: 8 complimentary backup care sessions for emergency childcare or elder care.
- Holiday flexibility: 5 weeks of annual leave with the option to buy or sell days.
- Continuous learning: minimum 40 hours of annual training, including workshops, certifications, e-learning, and ongoing business coaching.
- Extra perks: Gympass (Wellhub), travel insurance, Tastecard, season ticket loans, and Cycle to Work scheme.

Inclusion at Capco We’re committed to making our recruitment process accessible and straightforward. If you need adjustments at any stage, please let us know. We value each person’s unique perspective and contribution. At Capco, we believe that being yourself is your greatest strength. Our #BeYourselfAtWork culture encourages individuality and collaboration—a mindset that shapes how we work with clients and each other every day.

We have been informed of recruitment scams targeting the public. Always verify identities before engaging in recruitment communication. All official Capco communication will be conducted via a Capco recruiter.

## #LI-DNI

## About Capco

## Company Overview
- **One-liner**: Capco is a global management and technology consultancy specializing in the financial services and energy industries, known for its deep industry expertise and entrepreneurial culture.
- **Entity Type**: Private (Wholly owned subsidiary of Wipro Limited since 2021)
- **Headquarters**: London, England, United Kingdom
- **Founded**: 1998
- **Founders**: Rob Heyvaert

## Core Business
- **Primary industries**: Financial services (banking, payments, capital markets, wealth & asset management, insurance) and energy
- **Target customers**: Large enterprises in highly regulated sectors (B2B/Enterprise)
- **Mission/Purpose statement**: “Do something different by combining deep industry expertise, strong consulting fundamentals, real innovation, and a relentless focus on client impact.” [capco.com](https://www.capco.com/about-us)

## Products & Services
Capco delivers consulting services rather than standalone products. Major service areas include:

- **Banking & Payments**: Digital banking transformation, core modernization, payments advisory.
- **Capital Markets**: Technology and data transformation, operational efficiency, regulatory compliance.
- **Wealth & Asset Management**: Customer relationship enhancement, operational scalability, control environment strengthening.
- **Insurance**: M&A support, technology innovation, profitability improvement.
- **Energy**: Commodity trading and risk management, energy transition, utilities transformation.

All services are delivered as **management and technology consulting** engagements.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (acquired by Wipro in March 2021 for $1.45 billion) [linkedin.com](https://www.linkedin.com/company/capco)
- **Key Metric (Private)**: Total headcount of ~5,930 (9.2% YoY growth); 670 active job postings [linkedin.com](https://www.linkedin.com/company/capco)
- **Notable Investors/Partners**: **Wipro Limited** (parent company); earlier investor **Thomas Weisel Partners** (led $80M PE round in 2000)
- **Growth Signals**: +9.2% headcount growth year-over-year; +30.5% LinkedIn follower growth (530,600 followers); recruitment volume up 10.4% quarterly [linkedin.com](https://www.linkedin.com/company/capco)

## Competitive Advantages
- **Deep domain expertise** across financial services and energy – nearly three decades of focused experience.
- **Expert-led, AI‑infused** delivery model that embeds technology and AI into every engagement.
- **Strong brand and alumni network** (graduates of Capco work at UBS, Accenture, HSBC, etc.) – signals talent development and industry connections.
- **Low bureaucracy, entrepreneurial culture** – flat hierarchies encourage ownership and client impact.

## Strategic Focus
- Embedding AI and data as core enablers across all consulting work (“AI is not an add‑on – it is a core part of how we shape, build, and deliver value” [capco.com](https://www.capco.com/about-us)).
- Continuing to expand in energy consulting alongside core financial services.
- Driving measurable outcomes and lasting value for clients while maintaining a people‑first culture.

## Why Work Here
- **Culture**: “Be Yourself at Work” (#BYAW) is a foundational value promoting inclusion, authenticity, and belonging. Minimal hierarchy and entrepreneurial freedom are emphasized. [capco.com](https://www.capco.com/about-us/our-culture-and-values)
- **Learning & Development**: Structured programs from entry‑level Associate Talent Program (ATP) to experienced hire tracks; mentorship and hands‑on client exposure.
- **Wellbeing**: Wellbeing@Capco program integrated into culture; benefits designed to support work‑life balance. [capco.com](https://www.capco.com/about-us/our-culture-and-values)
- **Remote/Hybrid**: Not explicitly stated, but global offices in 43 countries suggest hybrid presence; role‑dependent.
- **Notable perks**: Global mobility opportunities, comprehensive benefits, flat structure allowing early responsibility.

## Sources
1. [capco.com](https://www.capco.com/) – Company overview
2. [capco.com - About Us](https://www.capco.com/about-us) – History, leadership, vision
3. [capco.com - Careers](https://www.capco.com/careers) – Culture, learning, benefits
4. [capco.com - Culture & Values](https://www.capco.com/about-us/our-culture-and-values) – ESG, #BYAW, wellbeing
5. [linkedin.com/company/capco](https://www.linkedin.com/company/capco) – Headcount, funding, acquisitions, recruitment data

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