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# Payments Product & Domain Lead (GenAI Solution Architect)

- **Company:** Incubit, LLC
- **Location:** Philadelphia, NY, United States
- **Experience:** Expert
- **Contract:** Temporary contract
- **Skills:** Artificial Intelligence, Amazon Web Services, Microsoft Azure, Cloud Computing, Online Banking, Fraud Prevention and Detection, Payment Gateway, PCI Data Security Standards, Tokenization, Google Cloud, Retrieval-Augmented Generation, Generative AI, Agentic-AI, Functional Dependencies, AI Platforms, Api Design, User Administration
- **Published:** October 25, 2026
- **Apply:** https://www.indeed.com/viewjob?jk=7179494477f3320c

## About the Role

Who Can Apply- US Citizen, Green Card Holder, Valid US Work permit, Payments Domain Expertise

 * 8+ years of experience in Payments, Cards, Digital Commerce, Banking, or FinTech.
 * Deep understanding of:
 * Card payments
 * Wallets and mobile payments
 * Payment gateways
 * Tokenization
 * Merchant acquiring
 * Rewards and loyalty ecosystems
 * Corporate payments

Solution Architecture

 * Experience designing enterprise-scale payment solutions.
 * Strong understanding of API-driven architectures, payment integration patterns, and cloud-native solutions.
 * Ability to translate business requirements into scalable technical designs.

GenAI & Agentic Systems

 * Experience with GenAI, AI agents, autonomous workflows, and conversational commerce.
 * Understanding of AI-assisted checkout, recommendations, and commerce orchestration.
 * Familiarity with RAG, agent frameworks, and AI platform ecosystems., * Experience with Visa, Mastercard, Amex, digital wallet providers, payment gateways, or large banking institutions.
 * Knowledge of PCI-DSS, payment security, tokenization standards, and fraud prevention frameworks.
 * Experience with Azure, AWS, GCP, or cloud-based payment architectures.
 * Familiarity with Open Banking, embedded finance, and agentic commerce ecosystems.

## Description

Payments Strategy & Product Leadership

 * Lead the payments domain strategy for agentic commerce and AI-enabled payment experiences.
 * Identify opportunities to enhance customer payment journeys, wallet adoption, and top-of-wallet positioning.
 * Evaluate emerging payment technologies, digital commerce trends, and AI-driven payment ecosystems.
 * Develop strategic recommendations and secure stakeholder alignment, including GCO approval.

Agentic Checkout & Commerce Assessment

 * Assess agent-driven checkout and autonomous purchasing capabilities.
 * Define agentic payment use cases across retail, travel, subscriptions, corporate spend, and partner ecosystems.
 * Evaluate customer experience, trust, security, compliance, and operational considerations.
 * Recommend one or more high-value agentic payment propositions for implementation.

Wallets & Top-of-Wallet Optimization

 * Analyze digital wallet ecosystems and payment orchestration opportunities.
 * Identify strategies to improve card preference and top-of-wallet placement.
 * Evaluate customer incentives, rewards optimization, and payment routing capabilities.
 * Define wallet integration and enablement requirements.

Payments Architecture & Domain Mapping

 * Map and document end-to-end payment capabilities, including:
 * Tokenization
 * Digital wallets
 * Card lifecycle management
 * Rewards and loyalty programs
 * Promotional offers
 * Corporate payment controls
 * Merchant and partner integrations
 * Define target-state payment architecture and functional dependencies.

Customer Journey & Transaction Validation

 * Validate critical payment flows, including:
 * Checkout experiences
 * Card selection and recommendation
 * Authorization and authentication
 * Payment declines and recovery strategies
 * Refunds and chargebacks
 * Rewards redemption scenarios
 * Ensure solutions meet customer, business, and regulatory requirements.

Economics & Partnership Assessment

 * Assess commercial viability of proposed payment products and experiences.
 * Analyze:
 * Revenue opportunities
 * Interchange impacts
 * Reward costs
 * Operational costs
 * Partner economics
 * Vendor dependencies
 * Build business cases and ROI models for prioritized propositions.

Solution Architecture & Delivery Planning

 * Define solution architecture patterns for agentic payment capabilities.
 * Evaluate integration requirements across payment gateways, processors, wallets, token services, rewards systems, and AI platforms.
 * Identify implementation dependencies, risks, and delivery constraints.
 * Develop a phased execution roadmap.

Backlog & Proposition Definition

 * Produce detailed proposition specifications and business requirements.
 * Create user stories, architectural requirements, and acceptance criteria.
 * Prioritize capabilities and delivery milestones.
 * Support delivery teams throughout implementation., Key Deliverables
 * Payments domain assessment
 * Agentic commerce opportunity analysis
 * Wallet and top-of-wallet strategy
 * Tokenization, rewards, and payment capability map
 * Agentic payment proposition specifications
 * Checkout validation framework
 * Economics and partnership assessment
 * Payments roadmap and implementation plan
 * Architecture recommendations and dependency analysis
 * GCO-approved proposition package