Principal Architect | eComm and VAS Payments Architecture

JP Morgan Chase; Atlanta (GA); On-site; USD 180,000 - 280,000; Full time

Benefits offered by this job

Health care coverage

Retirement savings plan

Tuition reimbursement

Job summary

JPMorgan Chase is seeking a Principal Architect within the Commercial & Investment Bank's Payments Technology to shape architecture platforms powering global eCommerce payment solutions. You will lead cross-functional collaboration with business and technology leaders to transform merchant acquiring capabilities, including checkout experiences, gateway architecture, and partner integrations.

You will drive multi-year roadmaps, ensure security and resiliency, and apply enterprise AI in

Qualifications

• 10+ years of architecture design and delivery experience in commerce or payments spaces.
• Strong knowledge of eCommerce payment flows, gateways, tokenization, fraud prevention.
• Experience with cloud-native architecture and secure, scalable solutions.

Responsibilities

• Advise stakeholders on design approaches, technology selection, and target state architecture for global eCommerce payments.
• Develop multi-year roadmaps aligned with eCommerce payment strategy, including checkout optimization and gateway modernization.
• Apply enterprise AI capabilities in architecture work with human-in-the-loop validation and data sensitivity awareness.
• Define strategy and roadmaps for eCommerce product go-to-market, translating merchant requirements into scalable architecture decisions.
• Establish AI-enabled engineering patterns and governance across SDLC with traceability and security controls.
• Participate in architecture governance bodies and provide feedback on business needs to accelerate time to market.
• Lead vendor evaluation sessions to assess architectural designs and applicability in payments ecosystem.
• Identify opportunities to modernize platform capabilities and automate remediation for stability.
• Present and communicate architecture strategies and roadmaps to senior leaders.

Skills

10+ years architecture

eCommerce payments

Cloud-native architecture

AI in architecture

Executive communication

Education

Architecture certification/degree

Tools

Cloud platforms (AWS/Azure)

AI/ML tooling

Job description

As a Principal Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you provide deep domain expertise to design and evolve architecture platforms that power global eCommerce payment solutions.

You will partner with business and technology leaders to shape the transformation of merchant acquiring capabilities - spanning online checkout experiences, payment gateway architecture, partner integrations and value added services.

Leverage your advanced architecture capabilities and collaborate with colleagues across the organization to drive best-in-class outcomes for merchants and clients worldwide.

Job 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

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 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 -includes 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

Preferred qualifications, capabilities, and skills

• Strong experience delivering ecommerce merchant payments and value added solutions within acquiring space.
• Strong understanding of various eCommerce clients such as submitters, aggregators, payment facilitators and marketplaces.
• Experience with integrations to networks or issuers in the payment industry is a plus.
• Experience with in-store or omnichannel payment architectures that complement eCommerce platforms and partner integration patterns.

ABOUT US

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.