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 eCommerce payment technologies.
As a Principal Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you provide deep domain expertise to design and evolve architecture platforms that power global eCommerce payment solutions. You will partner with business and technology leaders to shape the digital transformation of merchant acquiring capabilities — spanning online checkout experiences, payment gateway architecture, partner integrations, and developer-facing APIs. Leverage your advanced architecture capabilities and collaborate with colleagues across the organization to drive best-in-class outcomes for merchants and clients worldwide.
Job responsibilities
- Advise cross-functional business and technology stakeholders on design approaches, technology selection, and target state architecture to meet the evolving demands of global eCommerce merchant payment platforms
- Develop multi-year roadmaps aligned with eCommerce payment strategy, including online checkout optimization, payment gateway modernization, digital onboarding, client self-service, and developer experience
- Apply enterprise-authorized AI capabilities within the work environment to accelerate architecture analysis, roadmap development, and design decisioning, with human-in-the-loop validation and appropriate handling of sensitive data
- Define strategy and technical delivery roadmaps for eCommerce product go-to-market, translating complex merchant acquiring requirements into scalable, cloud-native architecture decisions
- Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
- Participate in architecture governance bodies, evaluating recommendations and providing feedback on eCommerce business needs and options to accelerate time to market
- Lead evaluation sessions with external vendors, payment technology startups, and internal teams to assess architectural designs, technical credentials, and applicability within the eCommerce payments ecosystem
- Identify opportunities to modernize eCommerce platform capabilities, eliminate recurring issues, and automate remediation to improve overall operational stability and merchant experience
- Present and communicate eCommerce architecture strategies, decisions, and roadmaps effectively to senior leaders and executives
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 within eCommerce or merchant acquiring payment environments
- Deep knowledge of eCommerce payment flows, including online checkout, payment gateway architecture, tokenization, fraud prevention, and merchant integration patterns
- Strong experience with web developer frameworks, web architecture, mobile frameworks, and API standards — including RESTful and event-driven design — specific to eCommerce payment platforms
- Strong experience with identity and access management, including secure partner integration via APIs and web-based authentication frameworks within payment ecosystems
- Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity
- Experience leading a product as a product owner or product manager, including defining eCommerce business capabilities, feature taxonomies, and technical delivery roadmaps
- Deep knowledge of software, applications, and architecture disciplines including cloud, artificial intelligence, machine learning, and mobile within a payments context
- Ability to present and effectively communicate complex eCommerce architecture concepts to senior leaders and executives
Preferred qualifications, capabilities, and skills
Strong experience delivering ecommerce merchant payments and value added solutions within acquiring space.
Strong understanding of various eCommerce clients such as submitters, aggregators, payment facilitators and marketplaces.
Strategic mindset in acquiring payments business -includes value added services for optimizing payments, risk, vault, token for Ecommerce use cases.
Experience with in-store or omnichannel payment architectures that complement eCommerce platforms and partner integration patterns.
Familiarity with payment industry standards and compliance frameworks relevant to eCommerce (e.g., PCI-DSS, 3DS, encryption, Open Banking)
About Us
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 within eCommerce or merchant acquiring payment environments
- Deep knowledge of eCommerce payment flows including online checkout, payment gateway architecture, tokenization, fraud prevention, and merchant integration patterns
- Strong experience with web developer frameworks, web architecture, mobile frameworks, and API standards including RESTful and event-driven design
- Strong experience with identity and access management, secure partner integration via APIs and web-based authentication frameworks
- Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows with human-in-the-loop validation
- Experience leading a product as a product owner or product manager, defining business capabilities and technical delivery roadmaps
- Deep knowledge of software, applications, and architecture disciplines including cloud, AI/ML, and mobile within a payments context
- Ability to present and communicate complex eCommerce architecture concepts to senior leaders and executives
- Experience delivering ecommerce merchant payments and value added solutions within acquiring space
- Understanding of eCommerce clients such as submitters, aggregators, payment facilitators and marketplaces
- Strategic mindset in acquiring payments business, including value added services for payments, risk, vault, token use cases
- Experience with in-store or omnichannel payment architectures complementing eCommerce platforms
- Familiarity with payment industry standards and compliance frameworks (e.g., PCI-DSS, 3DS, encryption, Open Banking)
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 broad, with wellness incentives, on-site or virtual care, and an EAP offering coaching and counseling. Plan materials emphasize accessible options, including multiple medical choices and tools to manage costs.
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Parental & Family Support — Paid parental leave extends up to 16 weeks for all parents, supplemented by paid Critical Caregiver Leave. Family resources include backup childcare via Bright Horizons, lactation support and milk-shipping, family-building assistance, and even a free five-month SNOO rental for newborns.
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Retirement Support — Retirement programs include a 401(k) with an annual company match and automatic pay credits for most employees, with a legacy pension available to earlier hires. An Employee Stock Purchase Plan at a 5% discount further supports long-term savings.
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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