Senior Lead Architect – Client Onboarding & Payments

JPMorgan Chase & Co.

Plano (TX)

On-site

USD 140,000 - 190,000

Full time

14 days+

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Job summary

JPMorgan Chase & Co. in Plano, TX, seeks a Senior Lead Architect within Commercial & Investment Bank Payments Technology to lead high-quality architecture solutions for software applications and platform products, shaping target-state architecture in client onboarding and servicing.

You will drive governance, provide technical guidance, integrate AI capabilities, advance secure production code, and influence decisions across teams while upholding engineering excellence and lifecycle practices,

Qualifications

Formal training or certification on architecture concepts and 5+ years applied experience.
Strategic mindset in onboarding transformation for payments businesses, including digital onboarding across various digital channels, client self-service experiences, and partner integrations
Solid understanding of onboarding lifecycle steps including Know Your Customer (KYC), credit assessment, risk evaluation, and compliance screening
Solid understanding of client /merchantonboarding and complex client setup models especially in theacquiring payments space, including integrators, franchise arrangements, and payment facilitators
Hands-on practical experience delivering system design, application development, testing, and operational stability at enterprise scale
Advanced proficiency in one or more programming languages with deep expertise in software architecture, applications, 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 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 future-state architecture
Strong judgment and communication skills to influence technical direction across teams and present recommendations to senior stakeholders

Responsibilities

Provide solutions architecture direction, decisions and support for key stakeholders and initiatives related to client/merchant onboarding and servicing.
Represent a product family in technical governance bodies and propose improvements to architecture governance practices that raise the bar across the organization.
Provide regular 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 the evaluation of current and emerging technologies using established 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, high-quality production code and review and debug code written by others to uphold engineering excellence.
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 the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls.
Shape and influence the digital transformation strategy for payments onboarding, including client self-service experiences.