Director of Digital Payments Architecture – Headless, API & Cloud-Native

JP Morgan Chase; Plano (TX); On-site; USD 180,000 - 300,000; Full time

Job summary

JPMorganChase is seeking a Director of Architecture to shape the digital future of Merchant Payments. You will lead the digital transformation strategy, target-state architecture across web, API, headless checkout, and mobile experiences, and act as a trusted advisor to executives.

Stay hands-on in design and solutioning to deliver scalable, secure cloud-native platforms. You will guide architecture decisions bridging product, engineering, and business, and mentor engineers across teams to raise

Qualifications

• Formal training or certification on software engineering concepts with 10+ years of architecture leadership.
• Expertise in communicating with and influencing senior stakeholders in complex organizations.
• Proven track record in shaping digital transformation in payments/financial services.
• Strong experience with agentic/headless commerce and checkout architectures for omnichannel experiences.
• Hands-on web and mobile architecture with modern frameworks.
• Expertise in APIs, standards, lifecycle management and governance.
• Experience establishing AI standards, design, and governance.
• Strong IAM experience including API and web-based federation (OAuth, OIDC, SSO).
• Solid understanding of merchant services payments and cloud-native delivery.
• Experience turning business requirements into delivery roadmaps and domain models.

Responsibilities

• Define and drive the digital architecture strategy and target state for Merchant Payments aligned to business goals.
• Shape and execute the digital transformation roadmap including onboarding, self-service, partner integration, and omnichannel commerce.
• Architect headless checkout and commerce solutions connecting web, mobile, in-store, and partner channels.
• Lead API strategy with standards, governance, and developer experience.
• Establish web and mobile framework governance and developer practices.
• Collaborate with stakeholders to assess needs and propose design options for market delivery.
• Build trusted relationships with senior decision-makers and provide thought leadership.
• Break strategy into technical roadmaps, milestones, and executable workstreams for engineering teams.
• Modernize platform capabilities alongside business initiatives; contribute to governance forums and promote standards.
• Lead evaluations of vendors, fintechs, and internal solutions; mentor architects and engineers.

Skills

Architecture leadership

Executive communication

Payments/fintech domain

Headless commerce

API governance

IAM & security

Cloud-native architecture

Strategy to delivery roadmaps

E2E platform design

Vendor & partner evaluation

Job description

JPMorganChase is seeking a Director of Architecture to shape the digital future of Merchant Payments. You will lead the digital transformation strategy, target-state architecture across web, API, headless checkout, and mobile experiences, and act as a trusted advisor to executives.

Stay hands-on in design and solutioning to deliver scalable, secure cloud-native platforms. You will guide architecture decisions bridging product, engineering, and business, and mentor engineers across teams to raise