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Responsibilities:
This role partners with Payments, Technology, Architecture, Compliance, and Treasury teams to deliver a secure, regulated, production grade tokenised deposit infrastructure that supports domestic and cross border settlement use cases.
1. Tokenised Deposits Platform Analysis & Solution Design
. Lead end to end functional analysis for tokenised deposit platform including:
o Token issuance, minting, and burning
o Transfer logic, atomic settlement, and conditional settlement rules
o Token locking/unlocking, escrow, and programmability
o Redemption and conversion back to traditional deposits
. Define user journeys and system workflows for customers, operations, and treasury when interacting with tokenised deposits.
. Design the full token lifecycle and state machine, ensuring accuracy, traceability, and reconciliation with core banking systems.
2. On Chain / Off Chain Integration & Settlement
. Define integration patterns between:
o DLT nodes and tokenisation engine
o Payment hubs and settlement processors
o Core banking, deposit systems, and general ledger
o AML, sanctions, transaction monitoring engines
. Design settlement flows for:
o Domestic payments using tokenised deposits
o Cross border corridors leveraging tokenised deposits as settlement assets
o Interbank or inter entity transfers on tokenised rails
. Ensure deterministic, final and auditable settlement regardless of whether settlement occurs on chain or off chain.
3. Architecture & Platform Delivery Leadership
. Work closely with Solution Architects to define:
o Smart contract modules for deposit tokens
o Token metadata standards, security constraints, and compliance hooks
o Wallet integration (custodial / institutional / MPC-based)
o Key management and signing workflows
. Define API specifications and event models for token issuance, transfer, settlement, and reconciliation.
. Support the overall platform design to achieve scalability, resilience, fault tolerance, and regulatory compliance.
4. Regulatory, Risk & Compliance Alignment
. Translate MAS regulatory expectations regarding digitised deposits, DPT, stablecoins, and tokenised money into system requirements and controls.
. Ensure compliance with AML/CFT screening, Travel Rule requirements, traceability, and token provenance rules.
. Design audit trails, event logs, and monitoring capabilities for token movement and settlement.
. Ensure TRM compliant architecture covering confidentiality, integrity, availability, and tamper proof recordkeeping.
5. Delivery & Engineering Support
. Lead analysis workstreams across Agile squads delivering tokenised deposit capabilities.
. Provide precise clarifications to developers on token logic, settlement rules, smart contract behaviour, and edge cases.
. Support QA in designing and executing tests for:
o Multi currency token issuance
o Settlement finality and state transitions
o Token to core banking reconciliation
o Failure/retry, rollbacks, and operational exceptions
6. Stakeholder & Vendor Engagement
. Collaborate with Blockchain and Digital Assets, Payments, Treasury, Operations, Risk, and Compliance to refine use cases and delivery scope.
. Manage vendor interfaces for DLT platforms, tokenisation engines, custody providers, or digital asset infrastructure components.
. Communicate platform behaviour, risk implications, and architectural decisions clearly across business and technology teams.
Key Skills & Experience
API design (REST/JSON, OpenAPI/Swagger)
Microservices architecture
Eventdriven patterns (Kafka or equivalent)
State machine and sequence diagram modelling
HA/DR and lowlatency systems
Ability to reuse and extend existing platform components and code frameworks
. Blockchain Technology and know-how
. Digital Assets like Stablecoins, Tokenized Deposit, CBDC
. Payment knowledge
Job ID: 144141337
