As a Principal Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you provide deep expertise to enhance and evolve architecture platforms grounded in modern cloud-based technologies, while supporting the adoption of strategic global solutions. You will collaborate across the organization, apply your advanced architecture capabilities, and serve as a trusted advisor to engineering and business leaders — driving best-in-class outcomes that are secure, scalable, and built for the future.

Job responsibilities

• Advise cross-functional teams on technology selection to achieve target-state architecture and guide decisions on improvements to current and emerging technologies
• Develop multi-year technology roadmaps aligned with business strategy, architecture priorities, and digital transformation goals — with a focus on payments, client onboarding, and self-service experiences
• Apply enterprise-authorized AI capabilities within architecture and engineering workflows to accelerate analysis, roadmap development, and design decisioning, with human-in-the-loop validation and appropriate handling of sensitive data
• Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
• Create complex and scalable coding frameworks using appropriate software design principles, focusing on durability and reuse to improve velocity and quality across teams and functions
• Develop secure, high-quality production code and review and debug code written by others to uphold engineering excellence
• Serve as the team's go-to subject matter expert and contribute to the development of technical methods in specialized fields, in line with the latest product development methodologies
• Shape and influence the digital transformation strategy for payments, including digital onboarding, client self-service experiences, partner integrations, and developer experience platforms
• Define and govern API standards, functional design, and integration patterns to enable scalable, secure, and interoperable solutions across internal and external ecosystems

Required qualifications, capabilities, and skills

• Formal training or certification on architecture concepts and 10+ years applied experience
• Hands-on practical experience delivering system design, application development, testing, and operational stability at enterprise scale
• Expertise in one or more programming languages with a strong foundation in software engineering principles
• Deep knowledge of software, applications, and architecture — including advanced software architecture, application development, and technical processes within one or more disciplines (e.g., cloud, artificial intelligence, machine learning, mobile)
• Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity
• Ability to evaluate and integrate AI-enabled capabilities into scalable platforms while meeting resiliency, security, and auditability requirements
• Experience applying expertise and new methods to determine solutions for complex architecture problems across one or more technical disciplines
• Experience leading a product as a product owner or product manager
• Ability to present and effectively communicate complex technical concepts to senior leaders and executives

Preferred qualifications, capabilities, and skills

• Strategic mindset in shaping digital transformation for payments businesses, including digital onboarding, client self-service experiences, partner integrations, and developer experience platforms
• Strong experience with web developer frameworks, web architecture, and mobile frameworks
• Strong experience in API design and governance, including API standards, functional architecture, and lifecycle management
• Strong experience in identity and access management, including partner integration via APIs or web-based protocols
• Strong experience in acquiring and merchant services payment ecosystems, including processing flows, settlement, and integration patterns