Sr Principal Architect, Payment Network Technology

Senior Principal Architect

You're a pro who wants to influence the future of technical architecture and our team is looking for people like you. As a Senior Principal Architect at JPMorganChase within the Consumer and Community Card Technologies, you provide specialized expertise to influence the target state architecture and strategy. Work across teams to implement and advance the adoption of complex strategic global solutions that give JPMorganChase a competitive advantage.

As a Payment Network Architect at Chase, you will be at the forefront of designing, developing, and evolving the next generation of global payment network solutions. You will architect systems that are secure, scalable, and resilient, supporting billions of transactions and enabling seamless commerce worldwide. Your expertise will span the full spectrum of payment network processes, real-time payments, blockchain and other cutting edge technologies ensuring Chase remains the leader in payment innovation.

You will demonstrate strategic vision, technical mastery, and executive-level influence, collaborating across product, engineering, operations, and business teams. You will set the architectural direction for mission-critical systems, drive adoption of emerging technologies, and ensure compliance with global regulatory standards. As a thought leader, you will mentor future architects and engineers, championing a culture of excellence, innovation, and inclusivity.

Job responsibilities

• Design and oversee the implementation of robust, high-performance payment network solutions, ensuring alignment with Chase's enterprise architecture standards
• Define and deliver the target-state architecture and roadmap for test environments spanning Gaia, AWS, and legacy systems.
• Architect and optimize core payment network processes, including transaction authorizations, tokenization, VAS integration, dispute management, Fraud/Risk processing, Identity and settlement.
• Ensure our Partners ability to not only test in QA, UAT and Performance environments but also enable the ability to condition data in those environments.
• Establish and enforce architectural best practices, standards, and guidelines across multiple teams and projects, ensuring security, scalability, and regulatory compliance
• Anticipate industry trends and emerging technologies (e.g., real-time payments, AI/ML in fraud detection, blockchain), shaping architectural direction to support Chase's long-term growth and innovation.
• Present complex technical concepts and architectural strategies to senior leadership, clients, and partners in a clear, compelling manner.
• Build trust and credibility with senior leaders, clients, regulators, and partners.
• Take responsibility for outcomes, especially during periods of change, crisis, or high-stakes delivery

Required qualifications, capabilities, and skills

• Formal training or certification on software engineering concepts and 7+ years applied experience.
• Deep expertise in payment network processes: authorizations, tokenization, VAS, disputes, clearing, settlement, and fraud management
• Advanced knowledge of cloud architectures, distributed systems, security, and data management.
• Strong understanding of global payment regulations, compliance, and risk management.
• Demonstrated experience influencing and leading cross-functional teams in a global environment.
• Exceptional communication, negotiation, and stakeholder management skills.
• Practical experience delivering system design, application development, testing, and operational stability
• Demonstrated prior experience influencing across functions and teams to deliver modern architecture
• Experience applying expertise and new methods to determine solutions for complex architecture problems across various technical disciplines
• Extensive practical cloud native experience
• Ability to evaluate current and emerging technologies to recommend the best technology solutions and approaches to achieve the future state architecture

Preferred qualifications, capabilities, and skills

• 12+ years of experience in payment network architecture, with a proven track record of delivering large-scale, mission-critical systems in the payments industry.

About Us

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.