Step into the role of a Principal Architect at JPMorganChase and become a driving force behind the development and adoption of cutting-edge, cloud-based payment technologies. In this role, you will have the opportunity to shape the architectural direction of the firm, influence technology decisions for the firms digital and AI path at the highest levels, and leave a lasting impact on how we build and scale solutions globally.
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 partner with business and technology leaders to shape the digital transformation of merchant acquiring capabilities — spanning online experiences ( mobile and web), developer-facing APIs and AI 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 to meet the evolving digital needs of the firm.
- Develop multi-year technology roadmaps aligned with business strategy, architecture priorities, and digital transformation goals — with a focus on digital experiences for payments, client onboarding/servicing, and self-service experiences via multiple channels such as Web, API ,mobile.
- 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
- Define and govern API standards, functional design, web frameworks and integration patterns to enable scalable, secure, and interoperable solutions across internal and external ecosystems
- 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
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
- Strategic mindset in shaping digital transformation for payments businesses, including digital onboarding, client self-service experiences, partner integrations, and developer experience platforms.
- Deep knowledge of Web frameworks, mobile solutions, API design and governance.
- Strong experience in identity and access management, including partner integration via APIs or web-based protocols
- 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
- Experience applying expertise and new methods to determine solutions for complex architecture problems across one or more technical disciplines
- Ability to present and effectively communicate complex technical concepts to senior leaders and executives
Preferred qualifications, capabilities, and skills
- 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
- Ability to evaluate and integrate AI-enabled capabilities into scalable platforms while meeting resiliency, security, and auditability requirements
- Strong experience in acquiring and merchant services payment ecosystems, including processing flows, settlement, and integration patterns
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 on architecture concepts and 10+ years applied experience
- Hands-on experience delivering system design, application development, testing, and operational stability at enterprise scale
- Expertise in one or more programming languages with strong software engineering principles
- Deep knowledge of software, applications, and architecture including cloud, AI/ML, and mobile disciplines
- Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows
- Ability to evaluate and integrate AI-enabled capabilities into scalable platforms meeting resiliency, security, and auditability requirements
- Experience solving complex architecture problems across one or more technical disciplines
- Experience leading a product as a product owner or product manager
- Ability to present and communicate complex technical concepts to senior leaders and executives
- Strategic mindset in shaping digital transformation for payments businesses (digital onboarding, self-service, partner integrations)
- Strong experience with web developer frameworks, web architecture, and mobile frameworks
- Strong experience in API design and governance, including lifecycle management
- Strong experience in identity and access management and partner integration via APIs or web protocols
- Strong experience in acquiring and merchant services payment ecosystems, including processing flows and settlement
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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