Principal Architect - Enterprise, Risk, Finance and Audit Technology

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About this role:
Wells Fargo is seeking a highly experienced Principal Architect within the Risk, Finance and Audit Technology portfolio. The principal architect will focus on the Treasury and Liquidity technology architecture and bring broader architecture leadership to the technology of Risk Management, Corporate Finance and Internal Audit.
This role is responsible for defining and executing the architecture strategy for one of the firm's most critical and highly regulated business domains, ensuring technology investments support business growth, regulatory commitments, operational resilience, and long-term modernization objectives. As the senior architecture authority for the portfolio, you will drive the evolution of Treasury and Liquidity capabilities across applications, data, integrations, cloud platforms, and emerging technologies. You will partner closely with business executives, product owners, engineering leaders, risk partners, and enterprise architecture teams to develop target-state architectures and deliver transformational technology solutions that enable scalability, agility, and regulatory compliance. This role requires a rare combination of deep business domain expertise, enterprise architecture leadership, and hands-on technical mastery. The successful candidate will be equally comfortable engaging with senior executives on strategic direction, leading architecture governance and technology roadmaps, and working directly with engineering teams to solve complex design and implementation challenges.
You will lead large-scale modernization initiatives, drive simplification and rationalization of complex technology ecosystems, establish enterprise data and integration patterns, and advance the firm's adoption of cloud-native architectures, AI-enabled capabilities, intelligent automation, and next-generation engineering practices. You will play a critical role in shaping the future-state architecture for Treasury and Liquidity while helping establish reusable patterns and standards that can be leveraged across the broader Risk and Finance technology landscape.
In this role, you will:

• Bring a unique combination of deep Treasury and Liquidity domain expertise, enterprise architecture leadership, data and integration strategy experience, modern AI and engineering skills, and the ability to remain actively engaged in hands-on solution architecture and execution
• Act as an advisor to senior leadership to develop the architectural framework & delivery for highly complex business and technical needs across multiple groups
• Lead the strategy and resolution of highly complex and unique challenges requiring in-depth evaluation across multiple areas or the enterprise, delivering products and solutions that are long-term, large-scale, and require vision, creativity, innovation, advanced analytical and inductive thinking
• Provide vision, direction, and expertise to senior leadership on implementing the transformation strategy describing the current state, target state, and transition architecture
• Develop and influence strategic plans, investment planning, and execution on cutover strategies to target
• Own the end-to-end architecture strategy, roadmap, and target-state design for Treasury and Liquidity technology platforms, ensuring alignment with business objectives, regulatory commitments, and enterprise technology strategy.
• Serve as the lead architect and trusted advisor for Treasury, Liquidity Risk, Balance Sheet Management, Funding, Regulatory Reporting, and related Risk and Finance capabilities.
• Partner with senior business, product, engineering, risk, and technology leaders to define strategic technology investments and drive long-term modernization initiatives.
• Lead architecture for complex transformation programs, including application modernization, cloud adoption, platform consolidation, data modernization, and legacy technology retirement.
• Define and implement scalable architecture patterns across data, applications, integrations, APIs, event-driven platforms, cloud services, and enterprise technology ecosystems.
• Establish enterprise data architecture standards, including canonical models, data products, metadata management, lineage, controls, and trusted data consumption patterns.
• Drive adoption of API-first, event-driven, and domain-oriented architecture patterns to improve agility, resiliency, and business responsiveness.
• Provide deep hands-on technical leadership by reviewing solution designs, guiding engineering teams, resolving complex architecture challenges, and ensuring successful implementation of strategic solutions.
• Evaluate, architect, and enable emerging technologies including Artificial Intelligence (AI), Agentic AI, intelligent automation, advanced analytics, and next-generation decisioning capabilities within the Risk and Finance ecosystem.
• Lead architecture governance activities including Solution Reviews, AI Reviews, ARB, security reviews, and enterprise technology standards compliance.
• Develop reusable reference architectures, prototypes, design patterns, engineering standards, and implementation frameworks that accelerate delivery and improve consistency across programs.
• Influence architectural decisions across multiple organizations while balancing business priorities, technology strategy, operational resiliency, risk management, and regulatory requirements.
• Mentor architects, engineers, and technology leaders, fostering architectural excellence, innovation, and strong engineering discipline.
• Drive technology simplification and rationalization by reducing complexity, eliminating redundant capabilities, improving platform efficiency, and maximizing strategic investment value.
• Continuously assess emerging industry trends, technologies, and architecture practices to strengthen Wells Fargo's Treasury and Liquidity technology capabilities and long-term competitive position.

Required Qualifications:

• 7+ years of architecture experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• 7+ years of experience serving as a Lead Architect, Principal Architect, Distinguished Engineer, or Chief Engineer for large-scale financial services platforms.
• 5+ years of deep expertise in Treasury, Liquidity Management, Balance Sheet Management, Funding, Asset Liability Management (ALM), Regulatory Reporting, Capital Planning, and Finance data ecosystems.

Desired Qualifications:

• 7+ years of architecture leadership within a Tier-1 global financial institution.
• Deep knowledge of Treasury technologies and regulatory reporting ecosystems supporting LCR, NSFR, 2052a, ILST, Liquidity Forecasting, Funding, and Balance Sheet Management.
• Experience building enterprise AI platforms utilizing: Vector Databases, Knowledge Graphs, Semantic Search, Agent Frameworks, Intelligent Workflow Automation
• Experience architecting real-time decisioning and signal-based architectures for proactive risk identification and operational intelligence.
• Experience with graph technologies, metadata-driven architectures, and enterprise knowledge management platforms.
• Experience leading application rationalization, platform modernization, and cloud transformation initiatives across complex enterprise portfolios.
• Familiarity with modern engineering toolchains including: GitHub Enterprise, Jenkins, Terraform, OpenShift, Kubernetes, etc
• Demonstrated innovation through patents, publications, architecture frameworks, enterprise reference architectures, or adoption of emerging technologies.
• Strong understanding of emerging technology trends including multi-agent systems, AI-native architectures, digital twins, advanced optimization, and quantum computing applications within financial services.

Job Expectations:

• This position offers a hybrid work schedule - ability to work in office is required
• Relocation assistance is not available for this position

Iselin, NJ Pay Range: $191,000 - $248,000 - $305,000
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$159,000.00 - $305,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:
14 Aug 2026
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
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