Payment Domain Subject Matter Expert (SME)

Payment Domain Subject Matter Expert (SME)

Specialist I - Product Architect

Who We Are:

Born digital, UST transforms lives through the power of technology. We walk alongside our clients and partners, embedding innovation and agility into everything they do. We help them create transformative experiences and human-centered solutions for a better world.

UST is a mission-driven group of 29,000+ practical problem solvers and creative thinkers in more than 30 countries. Our entrepreneurial teams are empowered to innovate, act nimbly, and create a lasting and sustainable impact for our clients, their customers, and the communities in which we live.

With us, you'll create a boundless impact that transforms your career-and the lives of people across the world.

Visit us at UST.com.

You Are:

We are looking for a seasoned Payment Domain Subject Matter Expert (SME) and Solutions Architect to lead the design, integration, and optimization of payment routing and processing solutions. This role will act as a bridge between business stakeholders, technology teams, vendors, and third-party partners, ensuring compliant, scalable, and efficient payment solutions.

The opportunity:

* Engage with business and technology stakeholders to understand payment processing and routing requirements.

* Act as the primary Payment Domain SME, providing solution guidance to business, engineering, and partner teams.

* Design and propose end-to-end payment routing and integration solutions aligned with standards, industry best practices, and platform capabilities.

* Collaborate with internal IT teams, business teams, vendors, and third parties to gather, analyze, and validate business and technical requirements.

* Represent the IT team in client, vendor, and third-party meetings, ensuring clarity and alignment.

* Define requirements, acceptance criteria considering the edge cases and seniors in payment processing

* Recommend payment routing configurations, customization approaches, and integration strategies, including rules, workflows, and interfaces.

This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required.

What you need:

* Proven experience working as a Payment Domain SME in large scale enterprise environments.

* Deep understanding of end-to-end payment processing workflows, including authorization, clearing, settlement, reconciliation, and dispute handling.

* Strong knowledge of payment routing engines, transaction decisioning, and rule-based routing.

* Hands on experience with multiple payment methods, including cards, digital wallets, and alternative payment methods.

* Experience integrating with payment gateways, acquirers, processors, and third-party payment service providers.

* Experience designing and solutioning payment integrations and platforms in complex ecosystems.

* Ability to architect secure, scalable, and highly available payment solutions.

* Strong analytical and problem-solving skills, especially in high volume transaction environments.

* Ability to translate technical designs into business focused solutions for executive and operational stakeholders.

* Good understanding of PCI DSS standards and secure handling of payment data.

* Familiarity with industry regulations and compliance requirements related to payment processing.

* Experience working with security and compliance teams to ensure adherence to enterprise controls.

* Demonstrated experience in a solution leadership or technical leadership role.

* Strong communication and presentation skills, capable of engaging senior business and technology leaders.

* Ability to represent the IT organization in client, vendor, and third party engagements.

* Experience identifying team skill gaps and mentoring / training engineers on payment concepts and solutions.

* Prior experience supporting Telecom and/or Retail clients.

* Experience working with large, regulated enterprises similar in scale and complexity

Compensation can differ depending on factors including but not limited to the specific office location, role, skill set, education, and level of experience. UST provides a reasonable range of compensation for roles that may be hired in various U.S. markets as set forth below.

Role Location: Colorado

Compensation Range : $132,000-$198,000

Benefits

Full-time, regular employees accrue a minimum of 10 days of paid vacation per year, receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year), 10 paid holidays, and are eligible for paid bereavement leave and jury duty. They are eligible to participate in the Company's 401(k) Retirement Plan with employer matching. They and their dependents residing in the US are eligible for medical, dental, and vision insurance, as well as the following Company-paid Employee Only benefits: basic life insurance, accidental death and disability insurance, and short- and long-term disability benefits. Regular employees may purchase additional voluntary short-term disability benefits, and participate in a Health Savings Account (HSA) as well as a Flexible Spending Account (FSA) for healthcare, dependent child care, and/or commuting expenses as allowable under IRS guidelines. Benefits offerings vary in Puerto Rico.

Part-time employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year) and are eligible to participate in the Company's 401(k) Retirement Plan with employer matching.

Full-time temporary employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year) and are eligible to participate in the Company's 401(k) program with employer matching. They and their dependents residing in the US are eligible for medical, dental, and vision insurance.

Part-time temporary employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year).

All US employees who work in a state or locality with more generous paid sick leave benefits than specified here will receive the benefit of those sick leave laws.

What we believe:

We proudly embrace the values that have shaped UST since day one. We build our culture of Humility, Humanity, and Integrity. These values inspire us to nurture a people-first, human centric culture that fosters diversity, prioritizes sustainable solutions, and keeps our people and clients at the forefront of all decisions.

Humility:

We will listen, learn, be empathetic and help selflessly in our interactions with everyone.

Humanity:

Through business, we will better the lives of those less fortunate than ourselves.

Integrity:

We honor our commitments and act with responsibility in all our relationships.

Equal Employment Opportunity Statement

UST is an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other applicable characteristics protected by law. We will consider qualified applicants with arrest or conviction records in accordance with state and local laws and "fair chance" ordinances.

UST reserves the right to periodically redefine your roles and responsibilities based on the requirements of the organization and/or your performance.

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