Principal Architect - eComm Payments

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 eCommerce payment technologies.

As a Principal Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you provide deep domain expertise to design and evolve architecture platforms that power global eCommerce payment solutions. You will partner with business and technology leaders to shape the digital transformation of merchant acquiring capabilities — spanning online checkout experiences, payment gateway architecture, partner integrations, and developer-facing APIs. Leverage your advanced architecture capabilities and collaborate with colleagues across the organization to drive best-in-class outcomes for merchants and clients worldwide.

Job responsibilities

• Advise cross-functional business and technology stakeholders on design approaches, technology selection, and target state architecture to meet the evolving demands of global eCommerce merchant payment platforms
• Develop multi-year roadmaps aligned with eCommerce payment strategy, including online checkout optimization, payment gateway modernization, digital onboarding, client self-service, and developer experience
• Apply enterprise-authorized AI capabilities within the work environment to accelerate architecture analysis, roadmap development, and design decisioning, with human-in-the-loop validation and appropriate handling of sensitive data
• Define strategy and technical delivery roadmaps for eCommerce product go-to-market, translating complex merchant acquiring requirements into scalable, cloud-native architecture decisions
• Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
• Participate in architecture governance bodies, evaluating recommendations and providing feedback on eCommerce business needs and options to accelerate time to market
• Lead evaluation sessions with external vendors, payment technology startups, and internal teams to assess architectural designs, technical credentials, and applicability within the eCommerce payments ecosystem
• Identify opportunities to modernize eCommerce platform capabilities, eliminate recurring issues, and automate remediation to improve overall operational stability and merchant experience
• Present and communicate eCommerce architecture strategies, decisions, and roadmaps effectively to senior leaders and executives

Required qualifications, capabilities, and skills

• Formal training or certification on architecture concepts and 10+ years applied experience
• Hands-on practical experience delivering system design, application development, testing, and operational stability within eCommerce or merchant acquiring payment environments
• Deep knowledge of eCommerce payment flows, including online checkout, payment gateway architecture, tokenization, fraud prevention, and merchant integration patterns
• Strong experience with web developer frameworks, web architecture, mobile frameworks, and API standards — including RESTful and event-driven design — specific to eCommerce payment platforms
• Strong experience with identity and access management, including secure partner integration via APIs and web-based authentication frameworks within payment ecosystems
• Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity
• Experience leading a product as a product owner or product manager, including defining eCommerce business capabilities, feature taxonomies, and technical delivery roadmaps
• Deep knowledge of software, applications, and architecture disciplines including cloud, artificial intelligence, machine learning, and mobile within a payments context
• Ability to present and effectively communicate complex eCommerce architecture concepts to senior leaders and executives

Preferred qualifications, capabilities, and skills

• Strong experience delivering ecommerce merchant payments and value added solutions within acquiring space.

• Strong understanding of various eCommerce clients such as submitters, aggregators, payment facilitators and marketplaces.

• Strategic mindset in acquiring payments business -includes value added services for optimizing payments, risk, vault, token for Ecommerce use cases.

• Experience with in-store or omnichannel payment architectures that complement eCommerce platforms and partner integration patterns.

• Familiarity with payment industry standards and compliance frameworks relevant to eCommerce (e.g., PCI-DSS, 3DS, encryption, Open Banking)

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.