Senior Lead Architect - Client/Merchant Onboarding

Drive high-impact architecture solutions and shape target-state technology strategy across payments and beyond.

About the role

Join our team and help us develop game-changing, high-quality solutions that redefine how clients experience financial services. As a Senior Lead Architect at JPMorganChase within the Commercial & Investment Bank (Payments Technology), you are an integral part of a team that works to develop high-quality architecture solutions for software applications and platform products. You drive significant business impact and help shape the target-state architecture through your capabilities across multiple architecture domains — bringing technical depth, strategic thinking, and a passion for innovation to everything you do.

Responsibilities

• Represent a product family in technical governance bodies and propose improvements to architecture governance practices that raise the bar across the organization
• Provide regular technical guidance and direction to support the business and its technical teams, contractors, and vendors
• Leverage enterprise-authorized AI capabilities within the work environment to accelerate architecture analysis and decisioning across the product family, with human-in-the-loop validation and appropriate handling of sensitive data
• Guide the evaluation of current and emerging technologies using established standards and frameworks, influencing peers and decision-makers to adopt leading-edge solutions where appropriate
• Drive decisions that influence product design, application functionality, and technical operations and processes
• Develop secure, high-quality production code and review and debug code written by others to uphold engineering excellence
• Serve as a function-wide subject matter expert and contribute to the engineering community as an advocate of firmwide software development lifecycle frameworks and practices
• Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
• Shape and influence the digital transformation strategy for payments onboarding, including client self-service experiences and partner integrations

Requirements

• Formal training or certification on architecture concepts and 5+ years applied experience
• Hands-on practical experience delivering system design, application development, testing, and operational stability at enterprise scale
• Advanced proficiency in one or more programming languages with deep expertise in software architecture, applications, 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
• Ability to evaluate and integrate AI-enabled capabilities into enterprise-grade architectures while meeting resiliency, security, and auditability requirements
• Ability to tackle design and functionality problems independently with little to no oversight
• Ability to evaluate current and emerging technologies to select or recommend the best solutions for future-state architecture
• Strong judgment and communication skills to influence technical direction across teams and present recommendations to senior stakeholders

Preferred Qualifications

• Strategic mindset in shaping onboarding transformation for payments businesses, including digital onboarding, client self-service experiences, and partner integrations
• Solid understanding of acquiring payments onboarding and complex client setup models, including integrators, franchise arrangements, and payment facilitators
• Solid understanding of onboarding lifecycle steps including Know Your Customer (KYC), credit assessment, risk evaluation, and compliance screening
• Experience designing scalable, API-first architectures that support complex multi-party payment ecosystems and partner connectivity
• Familiarity with identity and access management patterns in the context of client onboarding and partner integration workflows

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.

Benefits

• Competitive total rewards package including base salary determined based on the role, experience, skill set, and location
• Commission-based pay and/or discretionary incentive compensation for eligible roles, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions
• Comprehensive health care coverage
• On-site health and wellness centers
• Retirement savings plan
• Backup childcare
• Tuition reimbursement
• Mental health support
• Financial coaching

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.