Step into the role of a Principal Architect at JPMorganChase and help shape the future of B2B Commerce and payments. 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 Principal Architect at JPMorganChase within Commercial & Investment Bank Payments Technology, you will lead architecture for the B2B Commerce transformation across intelligent payment orchestration, supplier network services, AI and agentic systems, and multi-rail payments. You will define the target-state architecture and apply modern cloud, distributed systems, and AI engineering practices to accelerate delivery of this strategic growth initiative.
Job responsibilities
- Leads target-state architecture for B2B Commerce, translating business strategy into scalable, secure, resilient technology solutions
- Drives architecture across intelligent payment orchestration, supplier network services, and multi-rail payments
- Designs modern cloud-native and distributed systems using APIs, microservices, event-driven and data architecture patterns
- Architects AI and agentic systems, including orchestration, grounding, memory, tool integration, observability, and appropriate controls
- Establishes reusable AI patterns leveraging AWS, Amazon Bedrock, and enterprise data and services
- Champions Spec-Driven Development (SDD) and AI-enabled engineering to improve quality, traceability, reuse, and delivery velocity
- Partners across Product, Engineering, Data, AI, Risk, and Architecture to align teams and drive delivery
- Serves as a senior technical leader, influencing architecture decisions and communicating strategy to senior leaders
Required qualifications, capabilities, and skills
- Formal training or certification on architecture concepts and 10+ years applied experience
- Hands-on experience designing and delivering large-scale distributed systems and production software
- Deep knowledge of cloud-native architecture, APIs, microservices, event-driven systems, data architecture, resiliency, security, observability, and performance
- Strong software engineering foundation with expertise in one or more programming languages
- Experience designing AI, generative AI, or agentic systems and integrating them into enterprise platforms
- Experience with AWS and enterprise AI platforms such as Amazon Bedrock or equivalent technologies
- Experience applying Spec-Driven Development (SDD) and AI-assisted engineering practices
- Ability to influence across engineering teams and communicate complex architecture decisions to senior leaders
Preferred qualifications, capabilities, and skills
- Experience in B2B payments, commercial payments, transaction banking, payables, receivables, or payment networks
- Experience with multi-rail payments, intelligent routing, decisioning, or orchestration platforms
- Experience with AWS, Amazon Bedrock, generative AI, and agentic architectures
- Experience with supplier onboarding, AP/AR automation, remittance, reconciliation, ERP integration, or payment execution
- Demonstrated ability to connect architecture decisions to client outcomes, engineering velocity, and business growth
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
Skills Required
- Formal training or certification in architecture concepts
- 10+ years of applied architecture experience
- Experience designing and delivering large-scale distributed systems and production software
- Deep knowledge of cloud-native architecture, APIs, microservices, event-driven systems, data architecture, resiliency, security, observability, and performance
- Strong software engineering foundation with expertise in one or more programming languages
- Experience designing AI, generative AI, or agentic systems and integrating them into enterprise platforms
- Experience with AWS and enterprise AI platforms such as Amazon Bedrock or equivalent technologies
- Experience applying Spec-Driven Development and AI-assisted engineering practices
- Ability to influence across engineering teams and communicate complex architecture decisions to senior leaders
- Experience in B2B payments, commercial payments, transaction banking, payables, receivables, or payment networks
- Experience with multi-rail payments, intelligent routing, decisioning, or orchestration platforms
- Experience with supplier onboarding, AP/AR automation, remittance, reconciliation, ERP integration, or payment execution
- Ability to connect architecture decisions to client outcomes, engineering velocity, and business growth
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 — Health coverage is considered comprehensive, including medical, dental, and vision, alongside wellness and mental health resources. Some locations add onsite health centers and related wellbeing support.
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Retirement Support — Retirement offerings include a 401(k)-type savings plan and related financial benefits, with options such as employee stock purchase participation. Financial planning resources are also highlighted to support long-term savings.
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Parental & Family Support — Paid parental leave of 16 weeks for birth or adoption is available for all parents. Child care and back-up child care resources further reinforce family support.
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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