Senior Lead Architect - Commercial Card Payments Technology

Job Responsibilities

• Represent Commercial Card platforms or product areas in architecture and technical governance forums
• Provide feedback on architecture standards and propose improvements, including guardrails for AI usage and automation in regulated environments
• Guide evaluation of existing and emerging technologies, including AI-assisted development tools and intelligent platform capabilities
• Provide technical guidance to engineering teams, product partners, contractors, and vendors, enabling AI-augmented engineering workflows
• Design, develop, review, and debug secure, high-quality production code, including reference implementations and architectural patterns
• Influence decisions related to product design, application behavior, and technical implementation approaches, focusing on scalability, resiliency, and intelligent automation
• Serve as a recognized subject-matter expert within a defined domain or capability area
• Advocate firm-approved frameworks, tools, AI-enabled SDLC practices, and continuous improvement within the engineering community
• Influence peers and stakeholders to consider modern, fit-for-purpose technologies, patterns, and delivery models
• Promote a culture of collaboration, inclusion, continuous learning, technical excellence, and responsible adoption of AI

Required Qualifications, Capabilities, And Skills

• Formal training or certification on software engineering concepts and 5+ years applied experience
• Strong hands-on experience delivering system design, application development, testing, and operational stability
• Advanced proficiency in one or more programming languages, platforms, or architectural styles
• Solid knowledge of software architecture, application design, and technical processes, with depth in one or more domains (e.g., cloud, distributed systems, data, AI/ML-adjacent architectures)
• Ability to independently solve complex design and functionality problems with limited oversight
• Practical experience building and operating cloud-native solutions
• Experience evaluating current and emerging technologies—including AI-assisted development and automation tools—and recommending solutions aligned to architecture goals
• Demonstrated commitment to teamwork, inclusion, and mentoring

Preferred Qualifications, Capabilities, And Skills

• Experience designing or modernizing commercial card or payments systems, including issuing, authorization, clearing, settlement, or posting flows
• Working knowledge of card processing ecosystems, including processors, card networks, tokenization, and integration patterns
• Experience contributing to fraud prevention or risk solutions, including rules-based or data-driven approaches
• Familiarity with ledger concepts, posting models, reconciliation, and data consistency in distributed systems
• Exposure to platform modernization initiatives, such as legacy transformation, cloud migration, or API enablement
• Experience with API-led and event-driven architectures, including microservices and asynchronous messaging
• Understanding of resiliency and scalability patterns, including multi-AZ or multi-region designs

About Us

JPMorgan Chase, 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, 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.

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 worldwide 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. We provide a wide range of services, including investment banking, securities services, and commercial banking.