Principal Architect: Cloud Payments & eCommerce Strategy

Wonder; Addison (TX); On-site; USD 180,000 - 240,000; Full time

Job summary

JPMorganChase is seeking a Principal Architect to drive cloud-based eCommerce payment technology strategy and implementation. You will partner with business and technology leaders to shape digital merchant acquiring capabilities, online checkout experiences, and developer-facing APIs across global markets.

You will lead multi-year roadmaps, apply AI-assisted architecture analysis, and establish reusable architecture patterns with strong governance for security and resiliency.

Qualifications

• Formal training or certification on architecture concepts and 10+ years applied experience.
• Hands-on practical experience delivering system design, application 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 integration patterns.
• Strong experience with web developer frameworks, web architecture, mobile frameworks, and API standards - including RESTful and event-driven design - specific to eCommerce payment platforms.
• Strong experience with identity and access management, including secure partner integration via APIs and web-based authentication frameworks within payment ecosystems.
• Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity.
• Experience leading a product as a product owner or product manager, including defining eCommerce business capabilities, feature taxonomies, and technical delivery roadmaps.
• Deep knowledge of software, applications, and architecture disciplines including cloud, artificial intelligence, machine learning, and mobile within a payments context.
• 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, digital onboarding, client self-service, and developer experience.
• 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

10+ years architecture experience

Cloud-based eCommerce payments

API design & integration

AI in architecture workflows

Architecture governance leadership

Tools

RESTful API standards

Event-driven design

Job description

JPMorganChase is seeking a Principal Architect to drive cloud-based eCommerce payment technology strategy and implementation. You will partner with business and technology leaders to shape digital merchant acquiring capabilities, online checkout experiences, and developer-facing APIs across global markets.

You will lead multi-year roadmaps, apply AI-assisted architecture analysis, and establish reusable architecture patterns with strong governance for security and resiliency.