Sr Lead Architect, Card Present - CIB

A career with us is a journey, not a destination. This could be the next best step in your technical career. Join us. As a Lead Architect at JPMorgan Chase within the CIB Payments, Merchant Services, you are an integral part of a team that works to develop high-quality architecture solutions for various software applications on modern cloud-based technologies. As a core technical contributor, you are responsible for conducting critical architecture solutions across multiple technical areas within various business functions in support of project goals.Job responsibilitiesEngages technical teams and business stakeholders to discuss and propose technical approaches to meet current and future needsDefines the technical target state of their product and drives achievement of the strategyParticipates in architecture governance bodiesEvaluates recommendations and provides feedback on new technologiesExecutes creative software solutions, design, development, and technical troubleshooting with the ability to think beyond routine or conventional approaches to build solutions or break down technical problemsIdentifies opportunities to eliminate or automate remediation of recurring issues to improve overall operational stability of software applications and systemsLeads evaluation sessions with external vendors, startups, and internal teams to drive outcomes-oriented probing of architectural designs, technical credentials, and applicability for use within existing systems and information Required qualifications, capabilities, and skills8+ years hands-on practical experience delivering system design, application development, testing, and operational stabilityPractical cloud native experienceLeverages enterprise-authorized AI capabilities within the work environment to accelerate architecture analysis and decisioning across the product family, with human-in-the-loop validation and appropriate handling of sensitive dataAdvanced knowledge of one or more software, applications, and architecture disciplinesAbility to evaluate current and emerging technologies to recommend the best solutions for the future state architectureStrong technical background with design and delivery experience with software patterns and principlesStrategic mindset in acquiring payments business -includes value added services for optimizing payments, risk, vault, token and other protection payments solutions like encryption, 3DS Experience with in-store or eCommerce merchant paymentsDemonstrated experience applying enterprise-authorized AI capabilities within the work environment in architecture and engineering workflows with strong validation habits and awareness of data sensitivityAbility to evaluate and integrate AI-enabled capabilities into enterprise-grade architectures while meeting resiliency, security, and auditability requirementsEstablishes reuse-first AI-enabled engineering patterns and governance across SDLC/toolchain practices, ensuring traceability/auditability, resiliency, and security controlsPreferred qualifications, capabilities, and skillsAbility to understand business requirements, create design, create technical delivery roadmap and technical know how'sDemonstrated proficiency in software applications and technical processes within a technical discipline (e.g., cloud, artificial intelligence, machine learning, mobile, etc.)Experience as a functional architect (business / product)Experience with domain model, understands business process flow, client experience and use casesUnderstands business capability, features taxonomyStrong communication and leadership presencePoint of Sale experience is a plusDevice / Estatement management experience is a plus 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: 2026-06-22