Senior Lead Architect - Card Present

Join our team to shape the future of payments architecture, driving innovation and delivering high-impact solutions at enterprise scale.Job DescriptionIf 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 the Commercial & Investment Bank(Payments Technology), you are an integral part of a team that works to develop high-quality architecture solutions for various software applications and platform products. You drive significant business impact and help shape the target state architecture through your capabilities in multiple architecture domains.Job ResponsibilitiesRepresent a product family in technical governance bodies and propose improvements to architecture governance practicesRegularly provide technical guidance and direction to support the business and its technical teams, contractors, and vendorsLeverage 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 dataGuide evaluation of current and new technologies using existing standards and frameworks, influencing peers and decision-makers to adopt leading-edge solutions where appropriateDrive decisions that influence product design, application functionality, and technical operations and processesDevelop secure and high-quality production code, and review and debug code written by othersServe as a function-wide subject matter expert and contribute to the engineering community as an advocate of firmwide software development lifecycle frameworks and practicesEstablish reuse-first AI-enabled engineering patterns and governance across software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controlsRequired qualifications, capabilities, and skillsFormal training or certification on architecture concepts and 5+ years applied experienceHands-on practical experience delivering system design, application development, testing, and operational stabilityAdvanced in one or more programming languages and deep expertise in software architecture, applications, and technical processes within one or more technical disciplines (e.g., cloud, artificial intelligence, machine learning, mobile)Demonstrated 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 requirementsAbility to tackle design and functionality problems independently with little to no oversightAbility to evaluate current and emerging technologies to select or recommend the best solutions for the future state architectureStrong judgment and communication skills to influence technical direction across teamsPreferred qualifications, capabilities, and skillsExperience in point-of-sale systems and card-present processingExperience in device and estate managementStrategic mindset in acquiring payments business, including value-added services for optimizing payments, risk, vault, tokenization, and other payment protection solutions such as encryption and 3D SecureExperience with in-store or eCommerce merchant payments 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: 2026-08-06