About Us
Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.
How This Role Impacts Live Oak and Its People
The Staff Solution Architect at Live Oak is a senior, judgment driven role focused on guiding the organization through architectural complexity at scale. This role is designed for architects who have lived through growth, tradeoffs, and change in fintech or financial services environments and know that the hardest architectural problems are as much about people and decisions as they are about systems.
Reporting to the Director of Enterprise Architecture, this architect operates at the intersection of business strategy, technology, and organizational design. Rather than owning individual components or producing artifacts in isolation, the Staff Solution Architect influences how architectural decisions are made, socialized, and sustained across teams, vendors, and platforms - especially as Live Oak continues to scale and responsibly adopt AI‑enabled systems.
Success in this role is measured by influence, clarity, and outcomes: aligning teams, navigating ambiguity, and helping the organization ship well-reasoned solutions without slowing momentum.
What You'll Do at Live Oak
Solution Design & Architecture
Lead end-to-end solution architecture for major projects involving complex, multi-system environments and cross-functional business units.
Conduct architectural evaluations and analyze the existing technology environment to inform solution design decisions.
Define solution prototypes, reference architectures, and integration patterns that ensure consistency, scalability, and maintainability.
Evaluate and recommend technologies, platforms, and vendors, balancing innovation with pragmatism and long-term sustainability.
Ensure all solution designs comply with enterprise architecture standards, principles, and strategic guidelines.
Cross-Functional Orchestration & Collaboration
Serve as the connective thread between internal software engineering, data, IT, and infrastructure teams and external vendors, ensuring all parties are aligned on the solution vision.
Define collaboration frameworks that bring the right people together at the right time to resolve technical questions and design challenges.
Facilitate solution design sessions, technical reviews, and architecture discussions that drive toward clear, well-documented outcomes.
Partner closely with project management to align integration strategies with project objectives, timelines, and budgets.
Documentation & Communication
Tell the story of how individual components come together into a cohesive solution—translating complex technical architectures into clear narratives for diverse audiences including executive leadership, business partners, and engineering teams.
Develop and maintain comprehensive solution documentation including architecture diagrams, integration maps, decision records, and technical specifications.
Communicate technical aspects, risks, trade-offs, and progress with clarity and confidence to stakeholders at all levels.
Delivery & Risk Management
Define procedures and processes that ensure successful solution delivery from design through implementation.
Identify, evaluate, and mitigate technical risks across the solution lifecycle, including performance, security, and user experience considerations.
Oversee solution development to ensure adherence to architectural intent, quality standards, and regulatory requirements.
Analyze and address technical and business requirements, ensuring solutions are right-sized for the problem at hand.
How You’ll Do It
By orchestrating—not dictating. You pull the right people into the room, facilitate productive discussions, and synthesize diverse inputs into a clear path forward.
By communicating with precision and empathy. You translate technical complexity into language that resonates with engineers, business leaders, and vendors alike, using influence and negotiation to drive alignment.
By taking responsibility for projects from inception to completion, managing expectations across a broad set of stakeholders and influencing outcomes without direct authority.
By developing innovative problem-framing approaches that enhance efficiency and help teams see challenges from new angles.
By maintaining a relentless focus on detail—understanding that the success of a complex solution depends on constant, consistent evaluation of every component, no matter how small.
By staying current with emerging technologies, industry trends, and architectural best practices in financial services, and recommending adoption where it creates genuine value.
By executing and adapting established processes through cross-functional collaboration to achieve organizational goals, and identifying gaps that need to be addressed for continuous improvement.
By building trust and credibility through deep technical knowledge, strong people skills, and a track record of delivering well-managed, well-documented solutions.
Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
Required Experience
10+ years in technology roles, with experience as a senior or staff level architect in fintech or financial services environments.
Hands-on experience scaling platforms and teams, including navigating architectural tradeoffs, organizational complexity, and change at growth stage companies.
Proven ability to influence decisions without direct authority, aligning engineers, business partners, and vendors in ambiguous situations.
Extensive knowledge of integration architecture patterns, including APIs (REST, GraphQL), messaging systems, event driven architecture, and enterprise integration platforms.
Broad technical fluency across application development, cloud platforms (AWS, Azure), data architecture, infrastructure, and security - able to credibly guide and challenge architectural decisions.
Experience working in complex, multi-system, multi-vendor environments under regulatory constraints.
Comfort reasoning about AI‑enabled systems and their architectural, data, and risk implications in regulated settings.
Clear, confident communicator who can translate complex technical topics for both technical and non-technical audiences.
Preferred Experience
Experience with emerging technologies including blockchain, artificial intelligence/machine learning, and advanced data platforms.
Familiarity with industry standards and compliance in Service Integration & Management (SIAM).
Experience with architecture governance frameworks, technology radar processes, and architectural decision records (ADRs).
Relevant certifications such as AWS Certified Solutions Architect, TOGAF, or ITIL.
Fintech or digital banking experience with exposure to modern lending, payments, or deposit platforms.
Our Values
Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
Respect: Treat everyone with courtesy, politeness, and kindness.
Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more
For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at [email protected].
EEO is the Law
The base pay range for this position is $143,920.00 - $205,600.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.
Skills Required
- 10+ years in technology roles with experience as a senior or staff level architect in fintech or financial services environments
- Hands-on experience scaling platforms and teams
- Proven ability to influence decisions without direct authority
- Extensive knowledge of integration architecture patterns
- Broad technical fluency across application development and cloud platforms
- Experience working in complex, multi-system environments under regulatory constraints
- Comfort reasoning about AI-enabled systems and their implications
- Clear, confident communicator for both technical and non-technical audiences
What We Do
Live Oak Bank has had the privilege of helping thousands of passionate, driven people turn their dreams into reality. These everyday heroes aren’t in it for the fortune or the fame. They’re in it to make a difference, just like we are. As one of the last banks to get a charter before the start of the Great Recession, Live Oak emerged out of the rubble of 2008 as the first bank to keep the customer at the center of the business model. We put a groundbreaking spin on what banking could be, focused on service and technology to redefine banking. Live Oak is a digital, cloud-based bank serving small business owners in all 50 states. We are the #1 SBA 7(a) lender by dollar volume* in the country and our mission is to be America’s small business bank. We aim to fulfill that mission through banking products that help business owners buy, build and expand, along with FDIC-insured checking, high-yield savings and CD accounts to grow their hard-earned money. Our family of companies under the holding and parent company Live Oak Bancshares (NYSE: LOB), and our subsidiaries, partner with businesses who share a groundbreaking focus on service and technology to redefine banking. Our mantra is to treat every customer like the only customer and our mission is to be America’s small business bank.
