Global eCommerce Payments Architect & AI Strategy

JP Morgan Chase; Plano (TX); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorganChase seeks a Principal Architect to drive architecture platforms powering global ecommerce payment solutions. You will partner with business and technology leaders to shape merchant acquiring capabilities, spanning online checkout experiences, payment gateway architecture, partner integrations and value-added services.

You will work across enterprise teams to design scalable, secure, and compliant platforms, leveraging AI capabilities to accelerate analysis and decisioning, while

Qualifications

• Formal training or certification on architecture concepts and 10+ years applied experience.
• Experience delivering system design, 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/partner integration patterns.
• Strategic mindset in acquiring payments business including value added services for optimizing payments, risk, vault, token for ecommerce use cases.
• Experience with transaction scaling, resiliency and redundancy in terms of managing and increasing response SLAs and TPS.
• Experience with payment industry standards and compliance frameworks such as PCI-DSS, GDPR, 3DS, encryption, Open Banking.
• Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity.
• Strong experience in technology, cloud native solutions, including security, scalability, resiliency.
• Experience leading a product as a product owner or product manager, including defining ecommerce business capabilities, feature taxonomies, and technical delivery roadmaps.
• Ability to present and effectively communicate complex ecommerce architecture concepts to senior leaders and executives.

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 and value added services.
• 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.

Skills

Architecture certification

10+ years experience

eCommerce payments

Cloud-native architecture

AI in engineering

Payments knowledge

Security & compliance

Job description

JPMorganChase seeks a Principal Architect to drive architecture platforms powering global ecommerce payment solutions. You will partner with business and technology leaders to shape merchant acquiring capabilities, spanning online checkout experiences, payment gateway architecture, partner integrations and value-added services.

You will work across enterprise teams to design scalable, secure, and compliant platforms, leveraging AI capabilities to accelerate analysis and decisioning, while