Owns target-state architecture for digital banking channels, including mobile and internet banking, digital onboarding, public websites, identity, content, integrations, and personalisation. Designs secure, scalable, resilient solutions using API-led, microservices, event-driven, cloud-native, and backend-for-frontend patterns. Establishes architecture standards, governs digital integrations, ensures regulatory and security compliance, and guides delivery teams. Partners with product, engineering, technology, and business stakeholders while mentoring teams and maintaining architecture documentation.