If you are excited about shaping the future of technology and driving significant business impact in financial services, we are looking for people just like you. Join our team and help us develop game-changing, high-quality solutions.

As a Senior Lead Architectat JPMorganChase within Payments Technology Commercial Card,you are an integral part of a team that develops high-quality architecture solutions for modern, scalable, resilient, and AIenabled payment platforms. You partner closely with product and engineering teams to define architecture, guide technical decisions, and contribute handson to the design and implementation of critical Commercial Card capabilities. Your expertise drives meaningful business outcomes and helps shape the target state architecture across cloud, data, and AIadjacent systems.

Job responsibilities

• Represent Commercial Card platforms or product areas in architecture and technical governance forums
• Provide feedback on architecture standards and propose improvements, including guardrails for AI usage and automation in regulated environments
• Guide evaluation of existing and emerging technologies, including AIassisted development tools and intelligent platform capabilities
• Provide technical guidance to engineering teams, product partners, contractors, and vendors, enabling AIaugmented engineering workflows
• Design, develop, review, and debug secure, highquality production code, including reference implementations and architectural patterns
• Influence decisions related to product design, application behavior, and technical implementation approaches, focusing on scalability, resiliency, and intelligent automation
• Serve as a recognized subjectmatter expert within a defined domain or capability area
• Advocate firmapproved frameworks, tools, AIenabled SDLC practices, and continuous improvement within the engineering community
• Influence peers and stakeholders to consider modern, fitforpurpose technologies, patterns, and delivery models
• Promote a culture of collaboration, inclusion, continuous learning, technical excellence, and responsible adoption of AI

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 5+ years applied experience
• Strong handson experience delivering system design, application development, testing, and operational stability
• Advanced proficiency in one or more programming languages, platforms, or architectural styles
• Solid knowledge of software architecture, application design, and technical processes, with depth in one or more domains (e.g., cloud, distributed systems, data, AI/MLadjacent architectures)
• Ability to independently solve complex design and functionality problems with limited oversight
• Practical experience building and operating cloudnative solutions
• Ability to evaluate current and emerging technologiesincluding AIassisted development and automation toolsand recommend solutions aligned to architecture goals
• Demonstrated commitment to teamwork, inclusion, and mentoring lessexperienced engineers
• Comfort working in AIaugmented development environments to accelerate design, coding, testing, and analysis

Preferred qualifications, capabilities, and skills

• Experience designing or modernizing commercial card or payments systems, including issuing, authorization, clearing, settlement, or posting flows
• Working knowledge of card processing ecosystems, including processors, card networks, tokenization, and integration patterns
• Experience contributing to fraud prevention or risk solutions, including rulesbased or datadriven approaches
• Familiarity with ledger concepts, posting models, reconciliation, and data consistency in distributed systems
• Exposure to platform modernization initiatives, such as legacy transformation, cloud migration, or API enablement
• Experience with APIled and eventdriven architectures, including microservices and asynchronous messaging
• Understanding of resiliency and scalability patterns, including multiAZ or multiregion designs