Job Summary

•    This role could be based in Singapore and India. When you start the application process you will be presented with a drop down menu showing all countries, Please ensure that you select a country where the role is based.

•    The Head of Move Money is the domain technology leader responsible for the design, architecture and optimization of the Bank's end-to-end money movement ecosystem. Reporting to the CIO Payments, the role owns the architectural integrity of payment routing, market infrastructure connectivity, clearing rail integration, settlement design, Nostro/Vostro mechanics and emerging digital payment rails.

•    Leading a highly specialized team of solution architects, domain engineers and business analysts, the role serves as the strategic design authority for global payment flows, ensuring transactions are routed, settled and processed optimally while meeting market infrastructure rules, regulatory requirements, client expectations and operational resilience standards.

•    The role acts as the bridge between Payments Business, Product, Operations, Treasury, Architecture and Engineering teams to ensure the Bank's payment ecosystem can support future growth, evolving market infrastructures, digital assets and increasing client complexity.

Key Responsibilities

•    Domain Architecture & Solutioning: Lead the solution design, dynamic routing algorithms, and architectural blueprints for complex cross-border and domestic payment flows.
•    Engineering: Co-Lead the engineering delivery for cross border transactions initiative and paytech with the regional Head of Payments Technology.
•    Clearing Rail Expertise & Digital Assets: Own technical integration design across global clearing schemes (FEDWIRE, CHIPS, TARGET2, CHAPS, FAST, NPP, etc.), global payment rails (SWIFT, telegraphic transfers, book transfers, RTGS, domestic fast payments, etc.), emerging digital asset/CBDC rails, Nostro/Vostro account mechanics, and corporate ledgers.
•    Resilient Routing & Cutoff Management: Build intelligent, fail-safe routing frameworks and dynamic fallback mechanisms that handle rail outages or liquidity constraints while adhering strictly to regulated clearing cutoff times and currency settlement windows.
•    Tailored Client Services: Translate complex corporate treasury needs into scalable, automated settlement, dynamic routing, liquidity-optimised payment flows, and classes of service.
•    Team Leadership: Direct a highly technical organization of domain architects, engineers, and business analysts.

Strategy
•    Execute the Payments architecture strategy in alignment with the vision established by the CIO Payments.
•    Define and evolve the target-state architecture for payment routing, settlement orchestration, market infrastructure connectivity, Nostro/Vostro optimisation and funds movement services.
•    Establish the architecture roadmap for payment scheme connectivity, ISO 20022 adoption, routing intelligence and next-generation settlement capabilities.
•    Drive the adoption of modern payment paradigms including API-enabled payments, real-time payments, programmable payments, distributed ledger technologies and emerging digital asset ecosystems.
•    Shape the future-state design principles governing domestic, cross-border and multi-rail payment processing.
•    Provide strategic guidance for market migrations, clearing scheme changes and emerging payment infrastructure opportunities.

Business
•    Partner with Transaction Banking, Cash Management, Treasury and Product teams to translate business requirements into scalable payment flow solutions.
•    Design optimal payment routes, settlement mechanisms and liquidity strategies that improve client outcomes, operational efficiency and commercial performance.
•    Support new business opportunities through design of bespoke client payment solutions and differentiated service capabilities.
•    Enable growth across domestic payments, cross-border payments, real-time payments and emerging payment ecosystems.
•    Provide domain expertise supporting regulatory initiatives, market infrastructure upgrades and payment network changes.
•    Work with clients, operations and product teams to simplify complex treasury and cash management requirements through scalable technical design.
•    Ensure routing and settlement decisions balance client outcomes, resilience, cost efficiency, liquidity utilization and regulatory obligations.

Processes
•    Own architecture governance, design standards and solution assurance processes across the Move Money domain.
•    Establish best practices for payment routing, settlement orchestration, exception handling, liquidity optimization and rail selection.
•    Ensure payment flows are designed for availability, resiliency, scalability and compliance with market infrastructure requirements.
•    Drive standardization of payment processing patterns, routing frameworks and integration models across all payment rails.
•    Oversee lifecycle management of payment scheme integrations and associated dependencies.
•    Develop contingency frameworks supporting rail outages, liquidity constraints, network failures and market disruptions.
•    Ensure solution designs are aligned to engineering standards, operational readiness requirements and enterprise architecture principles.

People & Talent
•    Build and lead a global team of payment architects, domain specialists, engineers and business analysts.
•    Create a culture of technical excellence, innovation, client focus and domain leadership.
•    Develop deep organizational expertise in payment schemes, settlement mechanisms, liquidity management, market infrastructures and emerging payment technologies.
•    Attract, retain and develop highly specialized payment domain talent.
•    Establish succession plans for critical architecture and domain leadership roles.
•    Coach senior architects and technical leads to become recognised subject matter experts across the industry.
•    Foster collaboration across Business, Product, Treasury, Operations, Architecture and Engineering teams.

Risk Management
•    Own architectural risks associated with payment routing, settlement design, liquidity management and market infrastructure connectivity.
•    Ensure payment flows comply with regulatory requirements, payment scheme rules and market infrastructure obligations.
•    Maintain robust governance over routing decisions, settlement dependencies and contingency mechanisms.
•    Ensure resiliency and recoverability requirements are embedded within all payment designs.
•    Proactively assess risks arising from rail outages, liquidity shortages, concentration risks and market infrastructure failures.
•    Partner with Treasury, Risk, Compliance and Operations teams to manage operational and financial risks associated with money movement.
•    Ensure architecture designs support operational resilience requirements, including DORA, CPS 230 and applicable market regulations.

Governance
•    Establish governance frameworks for payment architecture, clearing rail connectivity, settlement design and routing standards.
•    Serve as the design authority for all material payment flow changes, market infrastructure integrations and settlement initiatives.
•    Chair architecture review forums relating to payment routing, settlement optimisation, liquidity management and rail strategy.
•    Ensure adherence to Group architecture standards, technology policies, risk frameworks and regulatory obligations.
•    Maintain oversight of third-party payment networks, market infrastructures and technology providers.
•    Provide regular reporting to the CIO Payments on architecture health, key risks, strategic initiatives and market developments.
•    Promote the Group's Values, Code of Conduct and a strong risk and control culture.

Regulatory & Business Conduct
•    Display exemplary conduct and lead the Move Money organisation in accordance with the Group's Values, Code of Conduct and Conduct Principles, ensuring fair client outcomes and the effective operation of financial markets.
•    Ensure payment routing, settlement, clearing rail integrations, Nostro/Vostro processes and market infrastructure connectivity comply with all applicable regulatory requirements, payment scheme rules and market conventions.
•    Partner with Risk, Compliance, Financial Crime, Legal and Operations teams to proactively identify, assess, escalate and remediate conduct, compliance, sanctions, AML and operational resilience risks across the payment ecosystem.
•    Maintain effective oversight of cross-border payment flows, ensuring appropriate controls are embedded to support financial crime prevention, payment integrity, liquidity risk management and regulatory reporting obligations.
•    Foster a strong culture of accountability, transparency and prudent risk-taking, ensuring all employees demonstrate positive risk and conduct behaviours and actively manage conflicts of interest.

Key stakeholders
•    Global Head of Transaction Banking
•    Global Head of Cash Management / Cash Product Management
•    Head of Payment Platform
•    Regional Head of Payments Technology
•    Group Treasury / Liquidity Management
•    Enterprise Architecture & Engineering Leadership
•    Risk, Compliance & Market Infrastructure Partners

Other Responsibilities
•    Embed Here for good and Group’s brand and values in Payments Platform. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

Our Ideal Candidate

•    Strong engineering background in distributed software delivery and API frameworks.
•    Strong understanding of client needs and tailoring services to accommodate. 
•    Expertise in post-payment processing domains: investigations, SWIFT Case Management, billing/revenue engines, and real-time liquidity reporting.
•    Proven knowledge of operational risk management, recoverability frameworks, and strict industry clearing schedules.
•    Demonstrated leadership managing multi-regional engineering and operational technology teams.

Role Specific Technical Competencies

•    Global Payments Architecture
•    Payment Routing & Orchestration
•    Clearing & Settlement Schemes (FEDWIRE, CHIPS, TARGET2, CHAPS, FAST, NPP, RTGS etc.)
•    ISO 20022 & SWIFT Ecosystem
•    Nostro / Vostro & Liquidity Flows
•    Cross-Border Payments Architecture
•    Market Infrastructure Integration
•    Distributed Systems Architecture

About Standard Chartered

We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

Over our 170-year history, and across a unique geographical footprint connecting Asia, Africa and the Middle East to each other and the world, we've built a bank like no other, with diverse capabilities and partnerships that set us apart.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.

Visit our careers website to learn more about us: www.sc.com/careers.

Recruitment Assessments

Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.