Solution Architect, Digital

Title: Solution Architect, Digital Location: Toronto, Canada

Who We Are

At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most. With more than 40 years of experience, we’re the team behind Money Mart—Canada’s largest non-bank branch network—and a leader in financial solutions for underserved communities.

From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect over a million customers a year to the money they need, when they need it.

At MFSG, we come together across teams and departments to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else. Whether you're solving problems, building systems, or shaping strategy, your work fuels real support for real people.

We’ve Got You Covered

• Compensation Philosophy: Our strategy is simple—we aim to match the market. We regularly review industry standards to ensure our total rewards package is competitive and fair. This commitment helps us attract and retain talented individuals who share our purpose.
• Discretionary Annual Bonus: Enjoy the opportunity for a discretionary bonus based on individual performance and company success.
• Comprehensive Benefits: Our benefits include health and dental plans with 100% of the premiums covered. We also offer an Employee Assistance Program to support your mental well-being and provide resources for personal challenges.
• Retirement Plans: Plan for your future with our robust retirement savings options, ensuring you’re set for the long haul.
• Hybrid Work Environment: Experience the best of both worlds with our hybrid work model, allowing you to balance remote work with in-office. When you're at our corporate head office, enjoy a relaxed and collaborative environment featuring breakout rooms for brainstorming and unwinding, plus a variety of snacks to keep you energized throughout the day.
• Perks and Rewards: Enjoy reimbursement for tuition assistance and professional development, discounts through Perkopolis and participate in our rewards and recognition programs to celebrate your contributions.

Please note: The salary range for this position is between C$ 160,000.00 to $175,000.00

The Job: 

The Job: Solution Architect, Digital

As a Solution Architect, you will serve as the technical design authority for MFSG's digital platforms and customer-facing experiences. You will translate business strategy and product ambition into secure, scalable, and cost-effective solution architectures, while remaining close enough to the technology to prototype, review designs, and resolve complex technical questions.

You will partner with engineering, product, enterprise architecture, security, and business stakeholders to define target-state architecture, guide delivery teams through implementation, and ensure solutions meet MFSG's standards for security, resilience, performance, and regulatory compliance. Broad full-stack and integration knowledge is valuable; however, this role has a strong emphasis on cloud-native architecture, API and integration design, and AWS technologies.

What You'll Do

Solution Architecture and Design

• Define end-to-end solution architectures for digital products, APIs, integrations, and data flows.
• Produce clear architecture artifacts, including context diagrams, sequence flows, integration maps, and decision records.
• Evaluate build, buy, and platform options, and recommend approaches based on business value, risk, and total cost of ownership.
• Prototype and validate architectural approaches to reduce delivery risk before committing teams to a direction.

Security, Compliance, and Engineering Quality

• Embed secure-by-design principles, ensuring solutions protect sensitive financial and customer information.
• Define authentication, authorization, encryption, data-residency, and secrets-management patterns for digital solutions.
• Ensure non-functional requirements, including security, scalability, resilience, availability, observability, and performance are explicitly designed and testable.
• Lead architecture and design reviews, and hold delivery teams accountable to agreed patterns and standards.
• Partner with security, risk, and compliance teams to satisfy regulatory and audit requirements.

Delivery and Cross-Functional Collaboration

• Partner with product managers, business analysts, engineering leads, QA engineers, and business stakeholders to translate requirements into effective technical solutions.
• Break complex initiatives into achievable delivery increments and provide reliable architectural estimates and sequencing.
• Identify technical risks, dependencies, and impediments early and drive them to resolution.
• Communicate architectural decisions and trade-offs clearly to both technical and non-technical audiences, including senior leadership.
• Remain engaged through the full lifecycle, from discovery and design through production adoption and post-launch review.

AI-Enabled Architecture and Continuous Improvement

• Apply AI-assisted tools effectively to accelerate design exploration, documentation, diagramming, and architecture review.
• Design pragmatic patterns for integrating AI and machine-learning capabilities into digital products, including data, guardrail, and governance considerations.
• Evaluate emerging technologies and platform capabilities based on measurable business and engineering value.
• Identify opportunities to reduce technical debt, simplify the estate, and improve delivery speed, quality, and operational reliability.

Technical Leadership and Enablement

• Act as a trusted advisor to engineering teams, providing hands-on guidance, mentoring, and design coaching.
• Establish and socialize reference architectures, reusable patterns, and architecture standards across teams.
• Build alignment across multiple delivery teams and vendors without relying solely on formal authority.
• Contribute to technology roadmaps, platform strategy, and investment planning.
• Foster an inclusive, collaborative culture where architecture decisions are transparent and openly challenged.

What You'll Bring to the Table

• Proven experience designing enterprise-grade digital solutions, including customer-facing web and mobile experiences.
• Strong hands-on background in backend and API development, ideally with C#, .NET, and ASP.NET Core.
• Deep knowledge of AWS services and cloud-native architecture, including serverless, containers, and event-driven design.
• Experience with relevant AWS capabilities such as Lambda, ECS or EKS, API Gateway, S3, RDS, DynamoDB, SQS, SNS, CloudWatch, and IAM.
• Strong expertise in integration architecture, including REST, event streaming, messaging, and third-party or vendor integration.
• Solid understanding of relational and NoSQL databases, data modelling, data flows, and performance optimization.
• Experience with CI/CD pipelines, infrastructure as code, containerization, and DevOps practices.
• Working knowledge of modern frontend technologies such as React, Next.js, Angular, JavaScript, or TypeScript.
• Practical experience with application security, identity and access management, observability, resiliency, and production support.
• Strong analytical, communication, facilitation, decision-making, and stakeholder-management skills.
• Experience using AI tools to improve architecture, documentation, and engineering productivity is considered an asset.

Education and Experience

• Bachelor's degree in Computer Science, Software Engineering, or a related discipline, or equivalent practical experience.
• Minimum of 12 years of professional software development or engineering experience.
• Minimum of 6 years in a solution architect, technical architect, principal engineer, or comparable technical-leadership role.
• Proven experience delivering enterprise-grade solutions using .NET and AWS.
• Experience working in Agile product-delivery environments.
• Relevant cloud or architecture certifications, such as AWS Solutions Architect, are considered an asset.
• Experience in financial services, payments, or another highly regulated industry is considered an asset.

Ready to shape the architecture behind digital products that customers rely on every day? Join us to design secure, scalable platforms, guide high-performing engineering teams, and help define the future of digital solutions at MFSG.

Committed to Equal Opportunity: MFSG is committed to accommodating applicants up to the point of undue hardship during the recruitment, assessment and selection process. If you are selected for an interview, please notify MFSG if you require accommodation in respect of the materials or procedures used at any time during this process. If you require accommodation, MFSG will work with you to determine how to meet your needs.