Principal Architect, Solutions - Commercial Card Issuing and Fraud Domain

Job Description
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 technologies.
As a Principal Architect at JPMorganChase within the Commercial Card and Pre-paid Card team of Commercial and Investment Banking, you provide expertise to enhance and develop architecture platforms based on modern cloud-based technologies, as well as support the adoption of strategic global solutions. Leverage your advanced architecture capabilities and collaborate with colleagues across the organization to drive best-in-class outcomes.
Be part of a team shaping the future of commercial card products and fraud prevention. You'll work alongside industry leaders, drive impactful change, and help deliver innovative solutions for our clients. You will be partnering closely with the Tech , product and business operation leaders. You will lead the architectural vision for commercial card issuing and fraud prevention, driving modernization and innovation across our platforms. This is a strategic, hands-on role for a technical leader passionate about secure, scalable solutions and the future of payments.
Job responsibilities

• Advises cross-functional teams on technology selection to achieve target state architecture and decisions on improvements to current technologies
• Develops multi-year roadmaps aligned with business and architecture strategy and priorities
• Leads end-to-end architecture for commercial card issuing and fraud prevention, including processor modernization and migration initiatives.
• Develops and implements advanced fraud prevention strategies, leveraging AI/ML solutions in partnership with product, engineering, and external vendors.
• Partners across business, product, engineering, network teams, and external partners to co-create and deliver secure, scalable systems that drive new solutions and advance our capabilities.
• Serves as the go-to expert for card issuing and fraud topics within CIB/Payments, providing guidance and thought leadership.
• Ensures adherence to architectural standards, security protocols, and industry best practices across all solutions.
• Mentors engineering and architecture teams, fostering a culture of continuous improvement and technical excellence.

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 7+ years applied experience
• Deep understanding of payment processors, card networks, and fraud countermeasures.
• Practical experience with AI/ML, BI, and cloud technologies (preferably AWS, Databricks, Starburst/Trino, Tableau, Alteryx)
• Expertise in designing secure, scalable, and resilient systems.
• Influencer with a proven record of successfully driving change and transforming across organizational boundaries
• Ability to present and effectively communicate to Senior Leaders and Executives
• Ability to mentor and develop technical teams.
• Hands-on practical experience delivering system design, application development, testing, and operational stability
• Expertise in one or more programming language(s)
• Practical cloud native experience

Preferred qualifications, capabilities, and skills

• Experience with card processor modernization and large migration projects.
• Familiarity with regulatory requirements in payments and fraud.
• Recognized as a technical thought leader in payments or fraud prevention.

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
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
About the Team
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.