Principal Architect - Digital/ AI

JPMorgan Chase & Co.; Plano (TX); On-site; USD 140,000 - 170,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a Principal Architect to drive cloud-based technology strategy and adoption across payments, onboarding, and self-service experiences.

You will influence architectural direction, guide technology decisions at the highest levels, and ensure scalable, secure solutions globally. You will collaborate with engineering and business leaders, shaping multi-year roadmaps and governance practices, including API standards and AI-enabled platforms.

Qualifications

• Formal training or certification in architecture concepts with 10+ years of experience.
• Experience delivering system design, development, testing, and operational stability at enterprise scale.
• Expertise in one or more programming languages and software engineering principles.
• Experience applying enterprise AI capabilities within architecture workflows with data sensitivity awareness.

Responsibilities

• Advise cross-functional teams on technology selection to guide target-state architecture.
• Develop multi-year technology roadmaps aligned with business strategy, priorities, and digital transformation goals.
• Apply enterprise-authorized AI capabilities within architecture and engineering workflows with validation.
• Establish AI-enabled patterns and governance across the SDLC and toolchain practices.
• Create scalable coding frameworks focusing on durability and reuse across teams.
• Develop secure production code and review code written by others.
• Serve as SME and contribute to technical methods in product development.
• Shape the digital transformation strategy for payments, onboarding, self-service, and developer platforms.
• Define and govern API standards, design, and integration patterns for scalable solutions.

Skills

Architecture concepts

Enterprise-scale delivery

Programming languages

AI capabilities integration

Product ownership

API design

Cloud

Security & auditability

Executive communication

Job description

Step into the role of a Principal Architect at JPMorganChase and become a driving force behind the development and adoption of cutting-edge, cloud-based technologies. In this role, you will have the opportunity to shape the architectural direction of the firm, influence technology decisions at the highest levels, and leave a lasting impact on how we build and scale solutions globally.

As a Principal Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you provide deep expertise to enhance and evolve architecture platforms grounded in modern cloud-based technologies, while supporting the adoption of strategic global solutions. You will collaborate across the organization, apply your advanced architecture capabilities, and serve as a trusted advisor to engineering and business leaders - driving best-in-class outcomes that are secure, scalable, and built for the future.

Job responsibilities

• Advise cross-functional teams on technology selection to achieve target-state architecture and guide decisions on improvements to current and emerging technologies
• Develop multi-year technology roadmaps aligned with business strategy, architecture priorities, and digital transformation goals - with a focus on payments, client onboarding, and self-service experiences
• Apply enterprise-authorized AI capabilities within architecture and engineering workflows to accelerate analysis, roadmap development, and design decisioning, with human-in-the-loop validation and appropriate handling of sensitive data
• Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
• Create complex and scalable coding frameworks using appropriate software design principles, focusing on durability and reuse to improve velocity and quality across teams and functions
• Develop secure, high-quality production code and review and debug code written by others to uphold engineering excellence
• Serve as the team's go-to subject matter expert and contribute to the development of technical methods in specialized fields, in line with the latest product development methodologies
• Shape and influence the digital transformation strategy for payments, including digital onboarding, client self-service experiences, partner integrations, and developer experience platforms
• Define and govern API standards, functional design, and integration patterns to enable scalable, secure, and interoperable solutions across internal and external ecosystems

Required qualifications, capabilities, and skills

• 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 at enterprise scale
• Expertise in one or more programming languages with a strong foundation in software engineering principles
• Deep knowledge of software, applications, and architecture - including advanced software architecture, application development, and technical processes within one or more disciplines (e.g., cloud, artificial intelligence, machine learning, mobile)
• Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity
• Ability to evaluate and integrate AI-enabled capabilities into scalable platforms while meeting resiliency, security, and auditability requirements
• Experience applying expertise and new methods to determine solutions for complex architecture problems across one or more technical disciplines
• Experience leading a product as a product owner or product manager
• Ability to present and effectively communicate complex technical concepts to senior leaders and executives

Preferred qualifications, capabilities, and skills

• Strategic mindset in shaping digital transformation for payments businesses, including digital onboarding, client self-service experiences, partner integrations, and developer experience platforms
• Strong experience with web developer frameworks, web architecture, and mobile frameworks
• Strong experience in API design and governance, including API standards, functional architecture, and lifecycle management
• Strong experience in identity and access management, including partner integration via APIs or web-based protocols
• Strong experience in acquiring and merchant services payment ecosystems, including processing flows, settlement, and integration patterns