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As a Lead Software Engineer at JPMorganChase within the Commercial & Investment Bank Payments Technology team, you are an integral part of an agile team that works to enhance, build, and deliver trusted market-leading technology products in a secure, stable, and scalable way. As a core technical contributor, you are responsible for conducting critical technology solutions across multiple technical areas within various business functions in support of the firm’s business objectives.
Job responsibilities
- Executes creative software solutions, design, development, and technical troubleshooting with ability to think beyond routine or conventional approaches to build solutions or break down technical problems
- Develops secure high-quality production code, and reviews and debugs code written by others
- Identifies opportunities to eliminate or automate remediation of recurring issues to improve overall operational stability of software applications and systems
- Leads evaluation sessions with external vendors, startups, and internal teams to drive outcomes-oriented probing of architectural designs, technical credentials, and applicability for use within existing systems and information architecture
- Leads communities of practice across Software Engineering to drive awareness and use of new and leading-edge technologies
- Adds to team culture of diversity, opportunity, inclusion, and respect
- Drives team adoption of enterprise-authorized AI-assisted engineering practices within the work environment to improve code quality, delivery speed, and operational outcomes (e.g., AI-assisted code review/refactoring, test strategy acceleration, incident/root-cause analysis support), while establishing consistent validation standards (secure coding, peer review, automated testing) and promoting reuse of effective patterns across the team
- Applies knowledge of tools within the Software Development Life Cycle toolchain, including enterprise-authorized AI-assisted development and automation capabilities, to improve the value realized by automation
- System design & resiliency (payments-grade): Produce HLD/LLD and implement resilient architectures (timeouts, retries, circuit breakers, bulkheads, backpressure) with failure-mode thinking, deterministic recovery, and strong operational readiness
Required qualifications, capabilities, and skills
- Formal training or certification on software engineering concepts and 5+ years applied experience
- Hands-on practical experience delivering system design, application development, testing, and operational stability
- Payments domain expertise (hands-on): Deep experience building and operating ACH, wires, and instant payments systems across initiation, validation, orchestration/routing, clearing/settlement, returns/recalls/amends, and reconciliation—owning outcomes without formal people management
- Rail-specific processing knowledge (ACH): Strong understanding of batch-oriented processing, cutoffs/windows, file/batch validation, exception flows (returns/NOC-style corrections), and reconciliation patterns; design for reruns, resumability, and controlled reprocessing
- Java/Spring depth (still coding): Expert-level Java (8/11/17+) and Spring Boot/Spring ecosystem; performance tuning (JVM, GC, concurrency), transaction design, and production readiness (health/readiness, config profiles, Actuator, safe feature flags)
- Advanced understanding of agile methodologies such as CI/CD, Application Resiliency, and Security
- In-depth knowledge of the financial services industry and their IT systems
- Practical cloud native experience
- Demonstrated experience leading effective use of approved AI-assisted software development tools (e.g., for coding, code review, test acceleration, troubleshooting) with the ability to set team expectations for validating AI outputs for correctness, performance, and security
- Strong understanding of responsible AI use in engineering workflows, including data sensitivity considerations, secure handling of inputs/outputs, and adherence to resiliency and security expectations; experience coaching engineers on safe, compliant adoption within delivery practices
- API contract ownership: Own REST/event contracts for payment initiation, status/tracking, callbacks/webhooks, and recall/amend requests; enforce versioning/backward compatibility, consistent error models/reason codes, and consumer-driven contract testing
- Quality & testing for critical flows: Define and implement testing strategy: golden message vectors, simulators/mocks for rail participants, integration/contract tests, performance tests around cutoffs/spikes, and resiliency/chaos testing; drive root-cause fixes
- Observability & operations: Build full traceability (correlation IDs across services), structured logs/metrics/tracing, meaningful alerts/dashboards (latency, acceptance/reject/return rates, queue depth, settlement/recon breaks); lead incident response and post-incident improvements
Skills Required
- Formal training or certification in software engineering and 5+ years applied experience
- Hands-on experience delivering system design, application development, testing, and operational stability
- Payments domain expertise building and operating ACH, wires, and instant payments systems
- Rail-specific processing knowledge (ACH): batch processing, cutoffs/windows, file validation, exception flows, reconciliation, resumability
- Expert-level Java (8/11/17+) and Spring Boot/Spring ecosystem; performance tuning, JVM/GC, concurrency, transaction design, production readiness (health/readiness, config profiles, Actuator, feature flags)
- Advanced understanding of agile methodologies, CI/CD, application resiliency, and security
- In-depth knowledge of financial services industry and related IT systems
- Practical cloud native experience
- Demonstrated experience leading approved AI-assisted software development tools and setting validation expectations
- Strong understanding of responsible AI use, data sensitivity, secure handling of inputs/outputs, and coaching engineers on safe adoption
- API contract ownership for REST/event contracts, versioning, error models, and consumer-driven contract testing
- Define and implement testing strategy for critical flows: golden message vectors, simulators/mocks, integration/contract tests, performance and resiliency/chaos testing
- Observability & operations: end-to-end traceability, structured logs/metrics/tracing, alerts/dashboards, incident response leadership
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical, dental, vision, and mental health coverage are comprehensive, with on-site clinics, preventive care, and specialized supports such as maternity nurse guidance and fertility treatments. Wellness activities can help offset copays and out-of-pocket costs, reinforcing the perceived strength of health benefits.
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Retirement Support — A 401(k) with dollar-for-dollar matching and additional automatic pay credits reflect strong employer-backed retirement savings. An employee stock purchase plan and related financial programs further bolster long-term financial support.
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Leave & Time Off Breadth — Paid time off, sick time, holidays, and generous parental leave are provided alongside family medical leave and adoption/fertility assistance. Additional programs like caregiver support and volunteer time off expand the breadth of time-away options.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
Why Work With Us
Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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