Senior Lead Architect - Commercial Card Payments Technology

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 Senior Lead Architect at JPMorganChase within Payments Technology – Commercial Card, you are an integral part of a team that develops high-quality architecture solutions for modern, scalable, resilient, and AI‑enabled payment platforms. You partner closely with product and engineering teams to define architecture, guide technical decisions, and contribute hands‑on to the design and implementation of critical Commercial Card capabilities. Your expertise drives meaningful business outcomes and helps shape the target state architecture across cloud, data, and AI‑adjacent systems.Job responsibilitiesRepresent Commercial Card platforms or product areas in architecture and technical governance forumsProvide feedback on architecture standards and propose improvements, including guardrails for AI usage and automation in regulated environmentsGuide evaluation of existing and emerging technologies, including AI‑assisted development tools and intelligent platform capabilitiesProvide technical guidance to engineering teams, product partners, contractors, and vendors, enabling AI‑augmented engineering workflowsDesign, develop, review, and debug secure, high‑quality production code, including reference implementations and architectural patternsInfluence decisions related to product design, application behavior, and technical implementation approaches, focusing on scalability, resiliency, and intelligent automationServe as a recognized subject‑matter expert within a defined domain or capability areaAdvocate firm‑approved frameworks, tools, AI‑enabled SDLC practices, and continuous improvement within the engineering communityInfluence peers and stakeholders to consider modern, fit‑for‑purpose technologies, patterns, and delivery modelsPromote a culture of collaboration, inclusion, continuous learning, technical excellence, and responsible adoption of AIRequired qualifications, capabilities, and skillsFormal training or certification on software engineering concepts and 5+ years applied experienceStrong hands‑on experience delivering system design, application development, testing, and operational stabilityAdvanced proficiency in one or more programming languages, platforms, or architectural stylesSolid 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 oversightPractical experience building and operating cloud‑native solutionsAbility to evaluate current and emerging technologies—including AI‑assisted development and automation tools—and recommend solutions aligned to architecture goalsDemonstrated commitment to teamwork, inclusion, and mentoring less‑experienced engineersComfort working in AI‑augmented development environments to accelerate design, coding, testing, and analysisPreferred qualifications, capabilities, and skillsExperience designing or modernizing commercial card or payments systems, including issuing, authorization, clearing, settlement, or posting flowsWorking knowledge of card processing ecosystems, including processors, card networks, tokenization, and integration patternsExperience contributing to fraud prevention or risk solutions, including rules‑based or data‑driven approachesFamiliarity with ledger concepts, posting models, reconciliation, and data consistency in distributed systemsExposure to platform modernization initiatives, such as legacy transformation, cloud migration, or API enablementExperience with API‑led and event‑driven architectures, including microservices and asynchronous messagingUnderstanding of resiliency and scalability patterns, including multi‑AZ or multi‑region designs 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/VeteransJ.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. Full timePosting Date: 2026-06-23