Principal Architect - Consumer Banking

Sorry, this job was removed at 10:35 p.m. (CST) on Tuesday, Feb 17, 2026
2 Locations
In-Office or Remote
Digital Media • Fintech • Information Technology • Machine Learning • Financial Services • Cybersecurity • Automation
Ready to Transform the Future | Careers in Technology & Security
The Role

4 Days in the office from any of our locations in RI,  MA, or Phoenix AZ and couple other locations

Role is not relocation eligible. 

Principal Architect – Solutions Architect 

Responsibilities

As a Principal Architect, you will play a pivotal role in bringing innovative ideas to life. Your work will be central to the successful integration of disruptive technologies across the organization. You will provide architectural mentorship and oversight at the Consumer Banking Platform level, including its supporting Technical Platform.

This role requires working cross‑functionally with both technical and non‑technical teams—including business development, product management, software engineering, cybersecurity, and executive leadership—to drive meaningful, measurable outcomes. The Principal Architect must also be capable of presenting designs and architectural recommendations to the Architecture Review Board, as well as to senior technology and business leaders.

Key Responsibilities

  • Design efficient, resilient, and scalable technology solutions that align with business objectives.
  • Participate in design reviews with software, network, and cloud engineering teams to ensure architectural alignment with strategic technology direction.
  • Assess business requirements, constraints, existing capabilities, and industry opportunities to define strategic technology capabilities.
  • Collaborate frequently with leadership and engineering teams across functional areas to align, drive adoption of solutions, and contribute to overall technology direction.
  • Develop architectural models, influence implementation approaches, and help achieve measurable business improvements.

Required Qualifications

  • 5+ years of solution architecture experience
  • 5+ years of software engineering experience
  • Hands-on experience designing and developing complex, multi‑tiered systems
  • Broad experience across multiple IT disciplines with strong understanding of relevant architectural concepts
  • Excellent communication skills, with the ability to facilitate technical discussions with non‑technical stakeholders
  • Experience designing systems within AWS
  • Experience designing highly available and resilient solutions
  • Bachelor’s degree in computer science or a related field

Desired Qualifications

  • Experience in the financial services industry; understanding of consumer and custodial banking; experience working with sensitive financial data
  • Experience in AI engineering
  • Experience in machine learning
  • Experience building or designing systems for contact center and back‑office applications
  • Strong business analysis, solution design, stakeholder management, and presentation skills
  • Experience in cybersecurity
  • Familiarity with multiple programming languages
  • Master’s degree in computer science or a related field

Hours & Work Schedule

  • Hours per Week: 40
  • Work Schedule: Monday - Friday

Pay Transparency 

The salary range for this position is $ 132,000 - $ 198,000 per year plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.   

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

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The Company
HQ: Providence, RI
17,000 Employees
Year Founded: 1828

What We Do

As one of the oldest and largest financial services firms in the United States with a history dating back to 1828, we’re committed to providing solutions and expertise that support our customers, clients, colleagues, and communities in what’s next on their own unique journey. We invest in the humans who build the logic, ideas, and innovations that bring new technologies to life. Investments in AI, cloud computing, machine learning and automation provide our engineers the tools that enable us to remain competitive and win in today’s environment. At Citizens, we recognize that the journey to accomplishment is no longer linear and that individuals are made of all they have done and all they are going to do. Whether you’re considering banking with us or looking to work with us, you’ll find a customer-centric culture and a supportive, collaborative workforce at Citizens. You’re made ready and so are we. If you're ready to advance your career in technology and security, learn more about opportunity's Citizens offers here: https://jobs.citizensbank.com/digital-transformation

Why Work With Us

We empower the colleagues that power our tech. With growth & upskilling opportunities and sought-after benefits, plus a diverse culture of people and perspectives, we help our colleagues achieve career goals. Because innovation can’t happen without the minds and hearts of our people. Technology is constantly evolving, and we believe you can too.

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