Principal Architect — B2B Payments & AI Orchestration

JPMorgan Chase & Co.; Chicago (IL); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorganChase invites a Principal Architect to shape the future of B2B Commerce and payments within Commercial & Investment Bank Payments Technology. You will lead the target-state architecture and drive modern cloud-native, distributed systems across AI-enabled orchestration and multi-rail payments.

You will collaborate with Product, Engineering, Data, AI, Risk and Architecture teams to align strategy, accelerate delivery, and ensure security and resiliency in enterprise platforms.

Qualifications

• Formal training or certification in architecture concepts; 10+ years of experience.
• Hands-on experience delivering large-scale distributed systems.
• Deep knowledge of cloud-native architecture, APIs, microservices, data architecture, security, and observability.
• Experience designing AI or agentic systems and integrating them into enterprise platforms.
• Experience with AWS and enterprise AI platforms such as Amazon Bedrock or equivalent technologies.
• Ability to influence across engineering teams and communicate complex architecture decisions to senior leaders.
• Experience applying Spec-Driven Development (SDD) and AI-assisted engineering practices.

Responsibilities

• Leads target-state architecture for B2B Commerce, translating business strategy into scalable, secure, resilient technology solutions
• Drives architecture across intelligent payment orchestration, supplier network services, and multi-rail payments
• Designs modern cloud-native and distributed systems using APIs, microservices, event-driven and data architecture patterns
• Architects AI and agentic systems, including orchestration, grounding, memory, tool integration, observability, and appropriate controls
• Establishes reusable AI patterns leveraging AWS, Amazon Bedrock, and enterprise data and services
• Champions Spec-Driven Development (SDD) and AI-enabled engineering to improve quality, traceability, reuse, and delivery velocity
• Partners across Product, Engineering, Data, AI, Risk, and Architecture to align teams and drive delivery
• Serves as a senior technical leader, influencing architecture decisions and communicating strategy to senior leaders

Skills

Architecture leadership

Distributed systems

Cloud-native design

APIs & microservices

AI and agentic systems

AWS

Spec-Driven Development

Leadership to senior leaders

Tools

Amazon Bedrock

AWS ecosystem

Job description

JPMorganChase invites a Principal Architect to shape the future of B2B Commerce and payments within Commercial & Investment Bank Payments Technology. You will lead the target-state architecture and drive modern cloud-native, distributed systems across AI-enabled orchestration and multi-rail payments.

You will collaborate with Product, Engineering, Data, AI, Risk and Architecture teams to align strategy, accelerate delivery, and ensure security and resiliency in enterprise platforms.