We have an opportunity to impact your career and provide an adventure where you can push the limits of what’s possible.
As a Lead Software Engineer at JPMorganChase within the Payouts organization, focused on Payment Initiation, 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, scalable, and resilient way. As a core technical contributor, you are responsible for designing and delivering critical technology solutions across multiple technical areas, supporting high-volume payment initiation platforms and complex distributed systems that are essential to the firm’s business objectives.
This role requires deep engineering expertise in building and operating production systems at scale, with strong emphasis on distributed systems, low-latency processing, high availability, resiliency, recoverability, observability, and operational excellence.
Job Responsibilities:
- Executes creative software solutions, design, development, and technical troubleshooting with the ability to think beyond routine or conventional approaches to build solutions and break down complex technical problems.
- Designs, develops, tests, deploys, and operates secure, high-quality production code for high-scale, low-latency payment initiation systems.
- Leads technical design and implementation of distributed systems using technologies such as Java, Kafka, relational databases, NoSQL databases, event-driven architecture, APIs, and cloud-native platforms.
- Provides technical leadership across application design, system integration, data flow, resiliency patterns, and operational readiness for business-critical payment platforms.
- Builds and supports systems with demanding non-functional requirements, including throughput, latency, availability, scalability, recoverability, fault tolerance, observability, and condensed service-level agreements.
- Identifies opportunities to eliminate, reduce, or automate remediation of recurring production issues to improve overall operational stability and reduce mean time to detect, diagnose, recover, and resolve incidents.
- Drives engineering practices that improve MTTR, system reliability, deployment safety, rollback capability, alert quality, and production support effectiveness.
- Develops secure, high-quality production code and reviews, debugs, and improves code written by others.
- Partners with product, operations, architecture, cybersecurity, infrastructure, and business stakeholders to deliver payment initiation capabilities aligned to business objectives and risk expectations.
- Champions engineering excellence through code quality, automated testing, CI/CD, observability, performance engineering, chaos/resilience testing, and secure software development practices.
- Leads communities of practice across Software Engineering to drive awareness and adoption of modern engineering practices, distributed systems patterns, and leading-edge technologies.
Required Qualifications, Capabilities, and Skills:
- Formal training or certification on software engineering concepts and applied experience or relevant practical experience in software engineering, distributed systems, or production platform engineering.
- Hands-on practical experience delivering system design, application development, testing, deployment, and operational stability for complex production systems.
- Advanced proficiency in one or more programming languages, preferably Java, with strong understanding of object-oriented design, concurrency, performance tuning, and secure coding practices.
- Strong experience designing and operating distributed systems in high-scale, low-latency, business-critical environments.
- Practical experience with event-driven architecture and messaging platforms, preferably Apache Kafka, including topics, partitions, consumer groups, offsets, ordering, retries, dead-letter handling, idempotency, and failure recovery patterns.
- Experience with relational databases and/or distributed data stores, including SQL and NoSQL databases, data modeling, query optimization, transaction handling, consistency patterns, replication, and high-availability design.
- Strong understanding of payment processing, payment initiation, payout flows, transaction lifecycle, reconciliation, idempotency, duplicate prevention, failure handling, and auditability.
- Experience improving operational stability by reducing manual intervention, automating remediation, tuning alerts, eliminating recurring incidents, and reducing MTTR.
- Advanced understanding of agile methodologies, CI/CD, application resiliency, cybersecurity, and secure software engineering practices.
- In-depth knowledge of the financial services industry and its technology systems, controls, risk expectations, and operational disciplines.
- Practical cloud-native experience, including designing or operating applications on public or private cloud platforms using containers, orchestration, infrastructure automation, and cloud resiliency patterns.
Preferred qualifications, capabilities, and skills:
- Experience building systems that support very high transaction volumes with strict latency, availability, and reliability requirements.
- Experience with distributed transaction patterns, eventual consistency, sagas, outbox patterns, retry frameworks, circuit breakers, bulkheads, rate limiting, and back-pressure handling.
- Experience with database technologies such as Oracle, PostgreSQL, Cassandra, MongoDB, DynamoDB, CockroachDB, or other distributed SQL/NoSQL platforms.
- Experience designing for disaster recovery, active-active or active-passive architecture, multi-region resiliency, backup/restore, failover, and recovery testing.
- Experience with observability tools and practices, including centralized logging, metrics, distributed tracing, synthetic monitoring, anomaly detection, and alert rationalization.
- Experience leading technical design reviews, architecture governance, resiliency reviews, operational readiness assessments, and production certification activities.
- Ability to influence senior stakeholders, mentor engineers, drive engineering standards, and lead technical execution across multiple teams.
Key Technical Focus Areas:
The ideal candidate should have practical experience in several of the following areas:
- Programming: Java, JVM performance, concurrency, APIs, microservices
- Messaging and Streaming: Kafka, event-driven architecture, asynchronous processing
- Databases: SQL, NoSQL, distributed databases, data consistency, high availability
- Payments Domain: Payment initiation, payout processing, idempotency, reconciliation, auditability
- Reliability Engineering: MTTR reduction, incident prevention, automation, observability
- Resiliency: Fault tolerance, retries, circuit breakers, failover, disaster recovery
- Performance: Low latency, high throughput, capacity planning, performance testing
- Cloud Native: Containers, Kubernetes, CI/CD, infrastructure automation
- Security: Secure coding, access controls, data protection, regulatory expectations
- Operations: Monitoring, alerting, logging, tracing, production support, SLOs/SLIs
About UsJ.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
Skills Required
- Formal training or certification in software engineering or equivalent practical experience
- Hands-on experience delivering system design, development, testing, deployment, and operational stability for complex production systems
- Advanced proficiency in Java, object-oriented design, concurrency, and JVM performance tuning
- Strong experience designing and operating distributed systems in high-scale, low-latency environments
- Practical experience with event-driven architectures and messaging platforms, preferably Apache Kafka
- Experience with relational and/or distributed data stores (SQL and NoSQL), data modeling and high-availability design
- Deep understanding of payment processing, payment initiation, payout flows, reconciliation, idempotency, and auditability
- Experience improving operational stability, automating remediation, tuning alerts, and reducing MTTR
- Practical cloud-native experience with containers, orchestration, infrastructure automation, and cloud resiliency patterns
- Advanced understanding of agile methodologies, CI/CD, application resiliency, and secure software engineering practices
- In-depth knowledge of financial services industry technology, controls, and operational disciplines
- Experience building systems supporting very high transaction volumes with strict latency and availability requirements
- Experience with distributed transaction patterns (sagas, outbox), retry frameworks, circuit breakers, bulkheads, rate limiting
- Experience with specific databases such as Oracle, PostgreSQL, Cassandra, MongoDB, DynamoDB, CockroachDB
- Experience with observability tools and practices (logging, metrics, tracing, synthetic monitoring, alert rationalization)
- Experience leading technical design reviews, architecture governance, resiliency reviews, and production certification
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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