Principal Architect- Agentic Commerce transformation

Principal ArchitectStep into the role of a Principal Architect at JPMorganChase and help shape the future of B2B Commerce and payments. If you are excited about shaping the future of technology and driving significant business impact in financial services, we are looking for people just like you. Join our team and help us develop game-changing, high-quality solutions. As a Principal Architect at JPMorganChase within Commercial & Investment Bank Payments Technology, you will lead architecture for the B2B Commerce transformation across intelligent payment orchestration, supplier network services, AI and agentic systems, and multi-rail payments. You will define the target-state architecture and apply modern cloud, distributed systems, and AI engineering practices to accelerate delivery of this strategic growth initiative.Job ResponsibilitiesLeads target-state architecture for B2B Commerce, translating business strategy into scalable, secure, resilient technology solutionsDrives architecture across intelligent payment orchestration, supplier network services, and multi-rail paymentsDesigns modern cloud-native and distributed systems using APIs, microservices, event-driven and data architecture patternsArchitects AI and agentic systems, including orchestration, grounding, memory, tool integration, observability, and appropriate controlsEstablishes reusable AI patterns leveraging AWS, Amazon Bedrock, and enterprise data and servicesChampions Spec-Driven Development (SDD) and AI-enabled engineering to improve quality, traceability, reuse, and delivery velocityPartners across Product, Engineering, Data, AI, Risk, and Architecture to align teams and drive deliveryServes as a senior technical leader, influencing architecture decisions and communicating strategy to senior leadersRequired Qualifications, Capabilities, and SkillsFormal training or certification on architecture concepts and 10+ years applied experienceHands-on experience designing and delivering large-scale distributed systems and production softwareDeep knowledge of cloud-native architecture, APIs, microservices, event-driven systems, data architecture, resiliency, security, observability, and performanceStrong software engineering foundation with expertise in one or more programming languagesExperience designing AI, generative AI, or agentic systems and integrating them into enterprise platformsExperience with AWS and enterprise AI platforms such as Amazon Bedrock or equivalent technologiesExperience applying Spec-Driven Development (SDD) and AI-assisted engineering practicesAbility to influence across engineering teams and communicate complex architecture decisions to senior leadersPreferred Qualifications, Capabilities, and SkillsExperience in B2B payments, commercial payments, transaction banking, payables, receivables, or payment networksExperience with multi-rail payments, intelligent routing, decisioning, or orchestration platformsExperience with AWS, Amazon Bedrock, generative AI, and agentic architecturesExperience with supplier onboarding, AP/AR automation, remittance, reconciliation, ERP integration, or payment executionDemonstrated ability to connect architecture decisions to client outcomes, engineering velocity, and business growthAbout UsJPMorganChase, 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/VeteransAbout the TeamJ.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.