Senior Lead Architect - Card Present

JPMorgan Chase & Co.; Plano (TX); On-site; USD 140,000 - 210,000; Full time

Job summary

JPMorgan Chase & Co. in Plano, Texas seeks a Senior Lead Architect for Payments Technology to shape target state architecture across domains and drive enterprise-scale solutions.

You will lead governance, provide technical direction to teams and vendors, and apply AI capabilities with validation and data sensitivity awareness. The role emphasizes secure, high-quality production code and cross-team collaboration to deliver scalable payment solutions.

Qualifications

• Formal training or certification on architecture concepts.
• Hands-on experience delivering system design, app development, testing, and operations.
• Advanced in one or more programming languages with enterprise architecture expertise.
• Experience applying AI capabilities in architecture workflows with data sensitivity awareness.

Responsibilities

• Represent a product family in technical governance bodies and propose improvements to architecture governance practices.
• Provide technical guidance to the business and its technical teams, contractors, and vendors.
• Leverage AI capabilities with human-in-the-loop validation and careful data handling.
• Guide evaluation of technologies using standards and frameworks and influence adoption of leading-edge solutions.
• Drive decisions impacting product design, functionality, and operations.
• Develop secure, high-quality production code and review code written by others.
• Serve as a function-wide SME and promote software development lifecycle best practices.
• Establish reuse-first AI-enabled engineering patterns with traceability, auditability, resiliency and security controls.

Skills

Architecture concepts

Cloud

AI/ML

Security & compliance

Code review

Communication

Hands-on development

Education

Architecture concepts training

Job description

Join our team to shape the future of payments architecture, driving innovation and delivering high-impact solutions at enterprise scale.

Job Description

If you are excited about shaping the future of technology and driving significant business impact in financial services, we are looking for people just like you. Join our team and help us develop game-changing, high-quality solutions.

As a Senior Lead Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you are an integral part of a team that works to develop high-quality architecture solutions for various software applications and platform products. You drive significant business impact and help shape the target state architecture through your capabilities in multiple architecture domains.

Job Responsibilities

• Represent a product family in technical governance bodies and propose improvements to architecture governance practices
• Regularly provide technical guidance and direction to support the business and its technical teams, contractors, and vendors
• Leverage enterprise-authorized AI capabilities within the work environment to accelerate architecture analysis and decisioning across the product family, with human-in-the-loop validation and appropriate handling of sensitive data
• Guide evaluation of current and new technologies using existing standards and frameworks, influencing peers and decision-makers to adopt leading-edge solutions where appropriate
• Drive decisions that influence product design, application functionality, and technical operations and processes
• Develop secure and high-quality production code, and review and debug code written by others
• Serve as a function-wide subject matter expert and contribute to the engineering community as an advocate of firmwide software development lifecycle frameworks and practices
• Establish reuse-first AI-enabled engineering patterns and governance across software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls

Required qualifications, capabilities, and skills

• Formal training or certification on architecture concepts and 5+ years applied experience
• Hands-on practical experience delivering system design, application development, testing, and operational stability
• Advanced in one or more programming languages and deep expertise in software architecture, applications, and technical processes within one or more technical disciplines (e.g., cloud, artificial intelligence, machine learning, mobile)
• Demonstrated experience applying enterprise-authorized AI capabilities within the work environment in architecture and engineering workflows with strong validation habits and awareness of data sensitivity
• Ability to evaluate and integrate AI-enabled capabilities into enterprise-grade architectures while meeting resiliency, security, and auditability requirements
• Ability to tackle design and functionality problems independently with little to no oversight
• Ability to evaluate current and emerging technologies to select or recommend the best solutions for the future state architecture
• Strong judgment and communication skills to influence technical direction across teams

Preferred qualifications, capabilities, and skills

• Experience in point-of-sale systems and card-present processing
• Experience in device and estate management
• Strategic mindset in acquiring payments business, including value-added services for optimizing payments, risk, vault, tokenization, and other payment protection solutions such as encryption and 3D Secure
• Experience with in-store or eCommerce merchant payments